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  Foreclosure In New Jersey
  
  1. Home
• Courts
• Superior Court Clerk's Office
• Foreclosure In New Jersey
  
  Superior Court Clerk's Office
  
  - Copies of Court Records
• Data Reports for Sale
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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 an unit in the Superior Court Clerk's Office.
  
  The office manages 7 types 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.
  
  Foreclosure Actions and Foreclosure Processing Services
  
  Foreclosure actions are filed in the Superior Court. Pleadings are filed with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.
  
  The Foreclosure Processing Services team dockets pleadings (e.g., complaints, answers and ask for default) in foreclosure cases. The team performs general foreclosure case management functions. When a case is contested, the team transfers to it General Equity Judges in the vicinages for personality.
  
  You can contact us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for information on the following:
  
  - General Questions and Status Requests
• Complaints
• Answers
• Ask for Default
  
  All correspondence (filings) ought to be directed to:
  
  Regular Mail
  
  Messenger Service
  
  Foreclosure Forms
  
  The following forms might be needed in foreclosure cases. See foreclosure mediation (listed below) for mediation kinds. Self-represented litigants can access our Self-Help page for kinds to file.
  
  Notice-- Foreclosure Filings - Foreclosure CIS - Revised County/Municipal Code Number Table
  
  Filing Fee Schedule
  
  Checks or cash orders should be made payable to Treasurer - State of New Jersey. Attorneys may their Judiciary Collateral Account to pay any charges. Cash is declined.
  
  Fee Waiver Request:
  
  Submit the Filing Fee Waiver Request Form to make an application for a cost exemption. You must fulfill financial requirements for eligibility. This form should accompany your document( s). The form and the files ought to be sent to the General Equity Judge in the county where residential or commercial property lies. The judge will review the fee waiver request. Once the judge determines eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the cost waiver request, you will be informed to send the charge before the documents can be submitted.
  
  Copy Requests:
  
  For details on acquiring copies of files or files call Customer care at 609-421-6100. Ask for records need to remain in composing. Refer to Copies of Court Records for more details on submitting a request.
  
  Foreclosure Mediations & Mediation Services
  
  Free foreclosure mediation is offered to try to save your home. Mediation is a process where a neutral third-party hears your case. The mediator does not make a choice on the case however guides both parties to an appropriate result on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is crucial to begin requesting mediation as quickly as possible following a notice of foreclosure.
  
  The very first action at the same time is to declare mediation services. Attorneys or self-represented litigants can complete the declare mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B should be fulfilled. The demand also requires the foreclosure mediation list. Use the foreclosure mediation financial worksheet to reveal monetary eligibility.
  
  If a constable's sale is scheduled, there are 2 statutory stays that can be asked for.
  
  Know scams. Companies that guarantee to help you get a loan adjustment, or notifications to rescue your home from foreclosure, are appearing all over NJ. You need to safeguard yourself and your home from fraud companies that have no regard for you and your home.
  
  You require to thoroughly inspect the company's credentials, credibility, and experience. Watch out for warning indications of a scam. Companies may incorrectly claim to be affiliated with a not-for-profit or federal government entity, or backed by government authorities. You ought to preserve individual contact with your lender and mortgage servicer. Your mortgage loan provider can help you find real choices to avoid foreclosure. You need to use the complimentary HUD/NJHMFA-certified housing therapist. More information including pointers to avoid foreclosure frauds are outlined 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 facing foreclosure may be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential tenants have rights to remain on the residential or commercial property regardless of a foreclosure.
  
  Frequently, because loan providers don't know renters' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a loan provider is unaware that the residential or commercial property is rented, a tenant may first be told about the foreclosure when the lending institution has a writ of possession. See the notice to domestic renters of rights throughout a foreclosure.
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  Additional Resources for Foreclosure Help
  
  Legal Services of New Jersey can supply resources and legal help for certified litigants. The NJ Dept.