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Designated Mt. Laurel Judges
Electronic Access to Court Records
Pre-foreclosure
If you're representing yourself in a foreclosure case, visit our self-help section.
The Office of Foreclosure
The foreclosure process is a two-tiered system. It includes 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 kinds of foreclosures:
1. Residential mortgage
Multi-family/commercial mortgage
In personam tax certificate
Municipal in rapid eye movement tax certificate
Condominium lien
Strict foreclosure
Fair Foreclosure Act optional procedures.
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Foreclosure Actions and Foreclosure Processing Services
Foreclosure actions are submitted in the Superior Court. Pleadings are submitted with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.
The Foreclosure Processing Services team dockets pleadings (e.g., grievances, answers and ask for default) in foreclosure cases. The team carries out basic foreclosure case management functions. When a case is contested, the group transfers to it General Equity Judges in the vicinages for disposition.
You can contact us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for info on the following:
- General Questions and Status Requests
Complaints
Answers
Ask for Default
All correspondence (filings) need to be directed to:
Regular Mail
Messenger Service
Foreclosure Forms
The following types could be needed in foreclosure cases. See foreclosure mediation (listed below) for mediation kinds. Self-represented litigants can access our Self-Help page for forms to file.
Notice-- Foreclosure Filings - Foreclosure CIS - Revised County/Municipal Code Number Table
Filing Fee Schedule
Checks or money orders ought to be made payable to Treasurer - State of New Jersey. Attorneys may use their Judiciary Collateral Account to pay any charges. Cash is not accepted.
Fee Waiver Request:
Fill out the Filing Fee Waiver Request Form to request a charge exemption. You should meet monetary requirements for eligibility. This type ought to accompany your document( s). The kind and the files need to be sent to the General Equity Judge in the county where residential or commercial property lies. The judge will review the charge waiver demand. Once the judge figures out 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 notified to send the charge before the files can be submitted.
Copy Requests:
For information on getting copies of files or files call Customer Service at 609-421-6100. Requests for records must be in writing. Describe Copies of Court Records for more details on sending a demand.
Foreclosure Mediations & Mediation Services
Free foreclosure mediation is available to attempt to conserve your home. Mediation is a procedure where a neutral third-party hears your case. The arbitrator does not make a choice on the case but guides both parties to an acceptable result on their terms. Lenders can still pursue foreclosure actions during the mediation procedure. It is essential to start requesting mediation as quickly as possible following a notification of foreclosure.
The primary step while doing so is to file for mediation services. Attorneys or self-represented litigants can complete the declare mediation form. Eligibility requirements pursuant to Rule 4:64 -1 B must be met. The demand likewise requires the foreclosure mediation list. Use the foreclosure mediation monetary worksheet to show financial eligibility.
If a constable's sale is scheduled, there are 2 statutory stays that can be asked for.
Understand scams. Companies that promise to assist you get a loan modification, or notices to rescue your home from foreclosure, are turning up all over NJ. You need to secure yourself and your home from rip-off companies that have no regard for you and your home.
You require to carefully check the business's qualifications, reputation, and experience. Keep an eye out for caution signs of a fraud. Companies may incorrectly declare to be affiliated with a nonprofit or federal government entity, or backed by government authorities. You should maintain personal contact with your lender and mortgage servicer. Your mortgage lending institution can assist you discover genuine alternatives to prevent foreclosure. You must use the totally free HUD/NJHMFA-certified housing counselor. More info consisting of tips to prevent foreclosure frauds are described in the Public Announcement launched 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 occupants in a residential or commercial property dealing with foreclosure may be safeguarded by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential occupants have rights to stay on the residential or commercial property notwithstanding a foreclosure.
Frequently, since lending institutions don't know occupants' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is leased, a renter might first be told about the foreclosure when the loan provider has a writ of possession. See the notice to domestic renters of rights during a foreclosure.
Additional Resources for Foreclosure Help
Legal Services of New Jersey can supply resources and legal help for qualified litigants. The NJ Dept.
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