Foreclosure in Brand-new Jersey
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    Foreclosure In New Jersey

    1. Home
  • Courts
  • Superior Court Clerk's Office
  • Foreclosure In New Jersey

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    - Copies of Court Records
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  • Foreclosure
  • Pre-foreclosure

    If you're representing yourself in a foreclosure case, visit our self-help area.

    The Office of Foreclosure

    The foreclosure procedure is a two-tiered system. It involves both the Office of Foreclosure and the Superior Court General Equity judges. The Office of Foreclosure us a system in the Superior Court Clerk's Office.

    The workplace deals with 7 types of foreclosures:

    1. Residential mortgage
  • Multi-family/commercial mortgage
  • In personam tax certificate
  • Municipal in rapid eye movement tax certificate
  • Strict foreclosure
  • Fair Foreclosure Act optional procedures.

    Foreclosure Actions and Foreclosure Processing Services

    Foreclosure actions are filed in the Superior Court. Pleadings are submitted with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.

    The Foreclosure Processing Services group dockets pleadings (e.g., grievances, responses and requests for default) in foreclosure cases. The team performs basic foreclosure case management functions. When a case is contested, the group transfers to it General Equity Judges in the vicinages for personality.

    You can call us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for details on the following:

    - General Questions and Status Requests
  • Complaints
  • Answers
  • Ask for Default

    All correspondence (filings) should be directed to:

    Regular Mail

    Messenger Service

    Foreclosure Forms

    The list below kinds could be needed in foreclosure cases. See foreclosure mediation (below) for mediation types. Self-represented litigants can access our Self-Help page for types to submit.

    Notice-- Foreclosure Filings - Foreclosure CIS - Revised County/Municipal Code Number Table

    Filing Fee Schedule

    Checks or money orders must be made payable to Treasurer - State of New Jersey. Attorneys may utilize their Judiciary Collateral Account to pay any charges. Cash is not accepted.

    Fee Waiver Request:

    Fill out the Filing Fee Waiver Request Form to look for a cost exemption. You should fulfill financial requirements for eligibility. This kind needs to accompany your document( s). The kind and the files should be sent to the General Equity Judge in the county where residential or commercial property lies. The judge will evaluate the fee waiver demand. Once the judge determines eligibility, your documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the fee waiver demand, you will be informed to submit the fee before the files can be filed.

    Copy Requests:

    For info on getting copies of files or files call Client service at 609-421-6100. Requests for records need to be in writing. Refer to Copies of Court Records for more details on sending a request.

    Foreclosure Mediations & Mediation Services

    Free foreclosure mediation is available to try to save your home. Mediation is a procedure where a neutral third-party hears your case. The mediator does not decide on the case however guides both parties to an appropriate outcome on their terms. Lenders can still pursue foreclosure actions during the mediation procedure. It is important to begin asking for mediation as quickly as possible following a notification of foreclosure.

    The very first action in the process is to file for mediation services. Attorneys or self-represented litigants can complete the filing for mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B need to be met. The demand likewise needs the foreclosure mediation checklist. Use the foreclosure mediation financial worksheet to show monetary eligibility.

    If a constable's sale is set up, there are 2 statutory stays that can be requested.

    Understand rip-offs. Companies that promise to assist you get a loan adjustment, or notifications to save your home from foreclosure, are appearing all over NJ. You require to protect yourself and your home from rip-off companies that have no regard for you and your home.

    You require to carefully examine the business's credentials, track record, and experience. Keep an eye out for indication of a fraud. Companies might wrongly claim to be affiliated with a not-for-profit or government entity, or endorsed by federal government officials. You should maintain personal contact with your lender and mortgage servicer. Your mortgage lender can help you discover genuine alternatives to avoid foreclosure. You need to use the free HUD/NJHMFA-certified housing counselor. More info consisting of suggestions to avoid foreclosure frauds are laid out in the Public Announcement released by the Federal Reserve.

    Notices to the Bar

    Notice - Mortgage Foreclosure Mediation Program - Resumption of Availability of Housing Counselors: Notice to Defendants Residential Mortgage Foreclosure Mediation Program - Rule Relaxation Order

    Foreclosure for Renters

    Residential renters in a residential or commercial property dealing with foreclosure may be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential occupants have rights to remain on the residential or commercial property notwithstanding a foreclosure.

    Frequently, because lending institutions do not understand tenants' names, the foreclosure grievance will name "John Doe, Tenants No. 1 to 10." If a loan provider is uninformed that the residential or commercial property is rented, a renter may initially be outlined the foreclosure when the lending institution has a writ of belongings. See the notice to residential occupants of rights during a foreclosure.

    Additional Resources for Foreclosure Help

    Legal Services of New Jersey can offer resources and legal assistance for qualified litigants. The NJ Dept.