Foreclosure in new Jersey
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    Foreclosure In New Jersey

    1. Home
  • Courts
  • Superior Court Clerk's Office
  • 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 an unit in the Superior Court Clerk's Office.

    The workplace handles 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 treatments.

    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 group dockets pleadings (e.g., problems, responses and ask for default) in foreclosure cases. The group 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 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) must be directed to:

    Regular Mail

    Messenger Service

    Foreclosure Forms

    The list below forms might 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 cash orders should be made payable to Treasurer - State of New Jersey. Attorneys might utilize their Judiciary Collateral Account to pay any charges. Cash is declined.

    Fee Waiver Request:

    Submit the Filing Fee Waiver Request Form to apply for a fee exemption. You should meet monetary requirements for eligibility. This form must accompany your document( s). The type and the files need to be submitted to the General Equity Judge in the county where residential or commercial property is situated. The judge will examine the cost waiver request. Once the judge identifies eligibility, your documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the cost waiver demand, you will be notified to submit the fee before the files can be submitted.

    Copy Requests:

    For info on acquiring copies of files or documents call Customer support at 609-421-6100. Ask for records must remain in composing. Describe Copies of Court Records for more information on submitting a request.

    Foreclosure Mediations & Mediation Services

    Free foreclosure mediation is offered to try to conserve your home. Mediation is a process where a neutral third-party hears your case. The arbitrator 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 during the mediation procedure. It is necessary to begin requesting mediation as quickly as possible following a notice of foreclosure.

    The initial step in the process is to apply for mediation services. Attorneys or self-represented litigants can finish the filing for mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B must be fulfilled. The demand likewise needs the foreclosure mediation list. Use the foreclosure mediation financial worksheet to reveal financial eligibility.

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

    Understand frauds. Companies that guarantee to help you get a loan adjustment, or notifications to rescue your home from foreclosure, are turning up all over NJ. You require to protect yourself and your home from fraud business that have no regard for you and your home.

    You need to thoroughly examine the company's credentials, credibility, and experience. Keep an eye out for indication of a scam. Companies may wrongly declare to be affiliated with a nonprofit or federal government entity, or backed by federal government authorities. You need to keep personal contact with your loan provider and mortgage servicer. Your mortgage lender can assist you discover genuine options to prevent foreclosure. You ought to utilize the free HUD/NJHMFA-certified housing therapist. More details consisting of ideas to prevent foreclosure rip-offs are described in the general 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 dealing with foreclosure might be safeguarded by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate property occupants have rights to stay on the residential or commercial property notwithstanding a foreclosure.

    Frequently, because lenders don't know tenants' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a loan provider is uninformed that the residential or commercial property is rented, an occupant might first be outlined the foreclosure when the loan provider has a writ of ownership. See the notification to property occupants of rights throughout a foreclosure.

    Additional Resources for Foreclosure Help

    of New Jersey can supply resources and legal support for qualified litigants. The NJ Dept.