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 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.
Foreclosure Actions and Foreclosure Processing Services
Foreclosure actions are filed 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., grievances, responses and ask for default) in foreclosure cases. The team performs general 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 information on the following:
- General Questions and Status Requests
Complaints
Answers
Requests for Default
All correspondence (filings) ought to be directed to:
The list below kinds could be needed in foreclosure cases. See foreclosure mediation (below) for mediation forms. Self-represented litigants can access our Self-Help page for forms to file.
Checks or cash orders must be made payable to Treasurer - State of New Jersey. Attorneys might utilize their Judiciary Collateral Account to pay any fees. Cash is not accepted.
Fee Waiver Request:
Fill out the Filing Fee Waiver Request Form to look for a cost exemption. You need to fulfill monetary requirements for eligibility. This form should accompany your document( s). The type and the documents 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 documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the fee waiver request, you will be informed to send the charge before the documents can be submitted.
Copy Requests:
For info on acquiring copies of files or files call Customer Service at 609-421-6100. Ask for records need to be in composing. Refer to Copies of Court Records for more details on sending a demand.
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 celebrations to an appropriate outcome on their terms. Lenders can still pursue foreclosure actions during the mediation process. It is important to begin requesting mediation as quickly as possible following a notification of foreclosure.
The first step at the same time is to apply for mediation services. Attorneys or self-represented litigants can finish the filing for mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B need to be satisfied. The demand also needs the foreclosure mediation checklist. Use the foreclosure mediation monetary worksheet to show financial eligibility.
If a constable's sale is arranged, there are 2 statutory stays that can be asked for.
Know rip-offs. Companies that guarantee to help you get a loan modification, or notices to rescue your home from foreclosure, are popping up all over NJ. You require to safeguard yourself and your home from fraud business that have no regard for you and your home.
You need to thoroughly check the credentials, credibility, and experience. Look out for indication of a fraud. Companies may falsely claim to be connected with a not-for-profit or government entity, or endorsed by federal government officials. You must preserve personal contact with your lender and mortgage servicer. Your mortgage loan provider can help you find real alternatives to avoid foreclosure. You must use the free HUD/NJHMFA-certified housing therapist. More information consisting of pointers to prevent foreclosure frauds are detailed 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 occupants in a residential or commercial property facing foreclosure might be protected 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 notwithstanding a foreclosure.
Frequently, due to the fact that lending institutions don't know renters' names, the foreclosure grievance will call "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is rented, a renter might initially be informed about the foreclosure when the lender has a writ of belongings. See the notification to domestic occupants of rights during a foreclosure.
Additional Resources for Foreclosure Help
Legal Services of New Jersey can offer resources and legal support for certified litigants. The NJ Dept.
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