Foreclosure in 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 includes 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 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 treatments.

    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 group dockets pleadings (e.g., complaints, and demands for default) in foreclosure cases. The group carries out 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 info on the following:

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

    All correspondence (filings) ought to be directed to:

    Regular Mail

    Messenger Service

    Foreclosure Forms

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

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

    Filing Fee Schedule

    Checks or cash orders must be made payable to Treasurer - State of New Jersey. Attorneys might utilize their Judiciary Collateral Account to pay any costs. Cash is declined.

    Fee Waiver Request:

    Complete the Filing Fee Waiver Request Form to get a cost exemption. You must meet monetary requirements for eligibility. This form needs to accompany your document( s). The kind and the files must 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 identifies eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the cost waiver demand, you will be alerted to submit the fee before the documents can be submitted.

    Copy Requests:

    For details on acquiring copies of files or documents call Client service at 609-421-6100. Ask for records must remain in composing. Refer to Copies of Court Records for more information on submitting a demand.

    Foreclosure Mediations & Mediation Services

    Free foreclosure mediation is available to try to conserve your home. Mediation is a procedure where a neutral third-party hears your case. The conciliator does not decide on the case however guides both parties to an acceptable outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is vital to begin requesting mediation as soon as possible following a notice of foreclosure.

    The first step while doing so is to declare mediation services. Attorneys or self-represented litigants can finish the declare mediation form. Eligibility requirements pursuant to Rule 4:64 -1 B need to be satisfied. The request likewise needs the foreclosure mediation checklist. Use the foreclosure mediation monetary worksheet to reveal financial eligibility.

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

    Understand scams. Companies that promise to assist you get a loan modification, or notifications to rescue your home from foreclosure, are appearing all over NJ. You need to safeguard yourself and your home from fraud business that have no regard for you and your home.

    You require to carefully check the company's qualifications, track record, and experience. Look out for indication of a rip-off. Companies might wrongly declare to be associated with a nonprofit or federal government entity, or endorsed by government officials. You must keep individual contact with your loan provider and mortgage servicer. Your mortgage lender can assist you find real alternatives to avoid foreclosure. You must utilize the complimentary HUD/NJHMFA-certified housing counselor. More information including tips to prevent foreclosure scams are described in the general 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 renters in a residential or commercial property facing foreclosure might be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential renters have rights to remain on the residential or commercial property notwithstanding a foreclosure.

    Frequently, because loan providers don't know tenants' names, the foreclosure grievance will name "John Doe, Tenants No. 1 to 10." If a loan provider is unaware that the residential or commercial property is leased, a tenant may first be told about the foreclosure when the lending institution has a writ of possession. See the notice to domestic tenants of rights during a foreclosure.

    Additional Resources for Foreclosure Help

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