Foreclosure in Brand-new Jersey

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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 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 a system in the Superior Court Clerk's Office.

The office handles 7 kinds of foreclosures:

1. Residential mortgage
2. Multi-family/commercial mortgage
3. In personam tax certificate
4. Municipal in rem tax certificate
5. Condominium lien
6. Strict foreclosure
7. 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 group dockets pleadings (e.g., complaints, responses and ask for default) in foreclosure cases. The team performs basic foreclosure case management functions. When a case is objected to, 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 following types could be required in foreclosure cases. See foreclosure mediation (listed below) for mediation types. Self-represented litigants can access our Self-Help page for types to submit.

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

Filing Fee Schedule

Checks or money orders ought to be made payable to Treasurer - State of New Jersey. Attorneys might use their Judiciary Collateral Account to pay any charges. Cash is declined.

Fee Waiver Request:

Fill out the Filing Fee Waiver Request Form to request a cost exemption. You need to satisfy monetary requirements for eligibility. This form ought to accompany your file( s). The kind and the files need to be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will evaluate 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 rejects the fee waiver demand, you will be alerted to submit the charge before the files can be submitted.

Copy Requests:

For details on obtaining copies of files or documents call Customer support at 609-421-6100. Requests for records must be in composing. Describe Copies of Court Records for more information on sending a demand.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is offered to attempt to save your home. Mediation is a process where a neutral third-party hears your case. The conciliator does not decide on the case but guides both parties to an appropriate result on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is essential to begin asking for mediation as soon as possible following a notice of foreclosure.

The initial step while doing so is to submit for mediation services. Attorneys or self-represented litigants can complete the filing for mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B must be fulfilled. The demand likewise requires the foreclosure mediation list. Use the foreclosure mediation financial worksheet to reveal financial eligibility.

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

Know scams. Companies that promise to help you get a loan modification, or notifications to save your home from foreclosure, are appearing all over NJ. You require to secure yourself and your home from scam companies that have no regard for you and your home.

You need to thoroughly inspect the company's credentials, track record, and experience. Keep an eye out for indication of a rip-off. Companies might wrongly declare to be connected with a nonprofit or federal government entity, or endorsed by government officials. You ought to preserve individual contact with your lender and mortgage servicer. Your mortgage lending institution can assist you discover real alternatives to prevent foreclosure. You need to utilize the free HUD/NJHMFA-certified housing counselor. More information including ideas to avoid foreclosure frauds are detailed 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, since loan providers do not know occupants' names, the foreclosure complaint will name "John Doe, Tenants No. 1 to 10." If a loan provider is unaware that the residential or commercial property is leased, a renter may first be informed about the foreclosure when the lending institution has a writ of belongings. See the notice to residential occupants of rights throughout a foreclosure.