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Foreclosure In New Jersey

1. Home

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Superior Court Clerk's Office
Foreclosure In New Jersey

Superior Court Clerk's Office

- 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 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 an unit in the Superior Court Clerk's Office.

The workplace manages seven types of foreclosures:

1. Residential mortgage

Multi-family/commercial mortgage
In personam tax certificate
Municipal in rem tax certificate
Condominium lien
Strict foreclosure
Fair Foreclosure Act optional procedures.

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., problems, answers and ask for default) in foreclosure cases. The group carries out general foreclosure case management functions. When a case is objected to, the team 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) ought to be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

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

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 may use their Judiciary Collateral Account to pay any fees. Cash is not accepted.

Fee Waiver Request:

Complete the Filing Fee Waiver Request Form to apply for a cost exemption. You need to fulfill monetary requirements for eligibility. This kind needs to accompany your document( s). The kind and the files should be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will review the cost waiver demand. Once the judge determines eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the fee waiver request, you will be informed to send the fee before the documents can be filed.

Copy Requests:

For details on getting copies of files or files 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 request.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is readily 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 decision on the case but guides both parties to an appropriate result on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is imperative to start asking for mediation as soon as possible following a notice of foreclosure.

The primary step at the same time is to declare mediation services. Attorneys or self-represented litigants can finish the declare mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B need to be fulfilled. The request also needs the foreclosure mediation list. Use the foreclosure mediation financial worksheet to show financial eligibility.

If a sheriff's sale is arranged, there are 2 statutory stays that can be asked for.

Know frauds. Companies that guarantee to assist you get a loan modification, or notices to save your home from foreclosure, are popping 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 thoroughly check the business's credentials, reputation, and experience. Keep an eye out for indication of a scam. Companies may falsely declare to be associated with a nonprofit or government entity, or endorsed by federal government officials. You should keep individual contact with your lender and mortgage servicer. Your mortgage can assist you find real alternatives to prevent foreclosure. You ought to use the free HUD/NJHMFA-certified housing counselor. More info including tips to prevent foreclosure frauds are outlined 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 tenants 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 domestic occupants have rights to remain on the residential or commercial property notwithstanding a foreclosure.

Frequently, since lenders do not know tenants' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a lending institution is unaware that the residential or commercial property is rented, a tenant might first be informed about the foreclosure when the lender has a writ of ownership. See the notice to property renters of rights throughout a foreclosure.
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Additional Resources for Foreclosure Help

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