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Foreclosure In New Jersey

1. Home
2. Courts
3. Superior Court Clerk's Office
4. Foreclosure In New Jersey

Superior Court Clerk's Office

- Copies of Court Records
- Data Reports for Sale
- Electronic Access to Court Records
- Foreclosure
- Pre-foreclosure

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

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 workplace handles 7 types of foreclosures:

1. Residential mortgage
2. Multi-family/commercial mortgage
3. In personam tax certificate
4. Municipal in rapid eye movement tax certificate
5. Condominium lien
6. Strict foreclosure
7. 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 group dockets pleadings (e.g., problems, responses and ask for default) in foreclosure cases. The team carries out basic foreclosure case management functions. When a case is objected to, the group 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) should be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The list below forms could be required in foreclosure cases. See foreclosure mediation (listed below) for mediation forms. 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 must be made payable to Treasurer - State of New Jersey. Attorneys might use their Judiciary Collateral Account to pay any costs. Cash is not accepted.

Fee Waiver Request:

Complete the Filing Fee Waiver Request Form to use for a charge exemption. You should fulfill financial requirements for eligibility. This kind should accompany your document( s). The kind and the documents should 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 denies the cost waiver demand, you will be informed to submit the charge before the files can be submitted.

Copy Requests:

For info on obtaining copies of files or files call Customer support at 609-421-6100. Ask for records should be in writing. Describe Copies of Court Records for more information on submitting a demand.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is offered to attempt to conserve your home. Mediation is a procedure where a neutral third-party hears your case. The arbitrator does not decide on the case however guides both celebrations to an acceptable result on their terms. Lenders can still pursue foreclosure actions during the mediation procedure. It is vital to start asking for mediation as quickly as possible following a notification of foreclosure.

The primary step while doing so is to declare mediation services. Attorneys or self-represented litigants can finish the filing for mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B must be met. The demand also requires the foreclosure mediation list. Use the foreclosure mediation financial worksheet to show financial eligibility.

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

Understand frauds. Companies that assure to help you get a loan modification, or notices to save your home from foreclosure, are turning up 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 need to thoroughly inspect the company's qualifications, track record, and experience. Look out for caution indications of a fraud. Companies might wrongly declare to be associated with a nonprofit or federal government entity, or backed by federal government authorities. You should preserve individual contact with your lending institution and mortgage servicer. Your mortgage loan provider can help you discover real choices to prevent foreclosure. You ought to utilize the free HUD/NJHMFA-certified housing counselor. More info consisting of tips to avoid foreclosure rip-offs are outlined 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 tenants 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 property renters have rights to remain on the residential or commercial property regardless of a foreclosure.

Frequently, since loan providers do not know occupants' names, the foreclosure problem will name "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is leased, a tenant might first be outlined the foreclosure when the lender has a writ of belongings. See the notification to property tenants of rights during a foreclosure.

Additional Resources for Foreclosure Help

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