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 section.
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 an unit in the Superior Court Clerk's Office.
The office deals with seven kinds 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 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 group dockets pleadings (e.g., problems, responses and ask for default) in foreclosure cases. The team 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 contact us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for details 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 might be needed in foreclosure cases. See foreclosure mediation (listed below) for mediation kinds. 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 need to be made payable to Treasurer - State of New Jersey. Attorneys might utilize their Judiciary Collateral to pay any charges. Cash is not accepted.
Fee Waiver Request:
Submit the Filing Fee Waiver Request Form to look for a fee exemption. You should meet monetary requirements for eligibility. This form needs to accompany your document( s). The type and the documents must be sent to the General Equity Judge in the county where residential or commercial property lies. The judge will evaluate the fee waiver request. Once the judge figures out eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the fee waiver request, you will be notified to send the fee before the files can be filed.
Copy Requests:
For info on obtaining copies of files or files call Customer Service at 609-421-6100. Requests for records should remain in writing. Refer to Copies of Court Records for more details on sending a request.
Foreclosure Mediations & Mediation Services
Free foreclosure mediation is offered to try to save your home. Mediation is a process where a neutral third-party hears your case. The conciliator does not decide on the case however guides both celebrations to an acceptable outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is essential to start asking for mediation as soon as possible following a notice of foreclosure.
The initial step while doing so is to apply for mediation services. Attorneys or self-represented litigants can complete the filing for mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B must be fulfilled. The demand likewise requires the foreclosure mediation checklist. Use the foreclosure mediation monetary worksheet to show monetary eligibility.
If a constable's sale is set up, there are 2 statutory stays that can be requested.
Be aware of rip-offs. Companies that promise to help you get a loan modification, or notifications to rescue your home from foreclosure, are appearing all over NJ. You need to safeguard yourself and your home from rip-off companies that have no regard for you and your home.
You need to thoroughly inspect the business's qualifications, credibility, and experience. Watch out for indication of a fraud. Companies may wrongly declare to be affiliated with a nonprofit or government entity, or backed by federal government authorities. You must maintain personal contact with your lending institution and mortgage servicer. Your mortgage loan provider can help you find real alternatives to avoid foreclosure. You ought to use the totally free HUD/NJHMFA-certified housing counselor. More info consisting of tips to prevent foreclosure frauds are outlined 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 dealing with foreclosure might be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential occupants have rights to remain on the residential or commercial property regardless of a foreclosure.
Frequently, because lenders do not understand renters' names, the foreclosure grievance will name "John Doe, Tenants No. 1 to 10." If a lending institution is uninformed that the residential or commercial property is rented, a renter might first be told about the foreclosure when the lending institution has a writ of ownership. See the notice to domestic occupants of rights during a foreclosure.
Additional Resources for Foreclosure Help
Legal Services of New Jersey can offer resources and legal assistance for certified litigants. The NJ Dept.