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Foreclosure In New Jersey

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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 section.

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 a system in the Superior Court Clerk's Office.

The workplace handles 7 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 filed with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.

The Foreclosure Processing Services team dockets pleadings (e.g., complaints, responses and demands for default) in foreclosure cases. The group carries out 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 call us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for details 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 list below kinds might be required in foreclosure cases. See foreclosure mediation (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 money orders must 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 cost exemption. You should satisfy financial requirements for eligibility. This form needs to accompany your file( s). The type and the files should be submitted to the General Equity Judge in the county where residential or commercial property is situated. The judge will review the charge waiver demand. Once the judge identifies eligibility, your documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the charge waiver request, you will be notified to submit the cost before the files can be submitted.

Copy Requests:

For information on getting copies of files or files call Client service at 609-421-6100. Ask for records should be in composing. Describe Copies of Court Records for more details on sending a demand.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is available to try to save your home. Mediation is a process where a neutral third-party hears your case. The does not make a choice on the case but guides both celebrations to an appropriate result on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is vital to start asking for 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 filing for mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B should be met. The request also requires the foreclosure mediation list. Use the foreclosure mediation financial worksheet to reveal financial eligibility.

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

Understand rip-offs. Companies that promise to assist you get a loan adjustment, or notifications to rescue your home from foreclosure, are turning up all over NJ. You require to secure yourself and your home from rip-off business that have no regard for you and your home.

You need to carefully examine the business's credentials, track record, and experience. Keep an eye out for indication of a rip-off. Companies might wrongly declare to be affiliated with a nonprofit or government entity, or endorsed by government authorities. You need to maintain personal contact with your lending institution and mortgage servicer. Your mortgage lending institution can help you find real alternatives to prevent foreclosure. You should utilize the complimentary HUD/NJHMFA-certified housing counselor. More information including ideas 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 occupants 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 domestic tenants have rights to remain on the residential or commercial property notwithstanding a foreclosure.

Frequently, due to the fact that loan providers do not understand occupants' names, the foreclosure complaint will call "John Doe, Tenants No. 1 to 10." If a lending institution is uninformed that the residential or commercial property is rented, a tenant might first be told about the foreclosure when the lending institution has a writ of possession. See the notification to residential occupants of rights during a foreclosure.
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Additional Resources for Foreclosure Help

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