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 deals with seven 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 treatments.

Foreclosure Actions and Foreclosure Processing Services

Foreclosure actions are filed 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., grievances, answers and demands for default) in foreclosure cases. The team carries out basic 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 information 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 kinds could be required in foreclosure cases. See foreclosure mediation (listed below) for mediation types. 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 cash orders must be made payable to Treasurer - State of New Jersey. Attorneys may 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 use for a charge exemption. You should satisfy monetary requirements for eligibility. This type needs to accompany your file( s). The type and the files must be submitted to the General Equity Judge in the county where residential or commercial property is situated. The judge will review the cost waiver request. Once the judge determines eligibility, your documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the cost waiver demand, you will be alerted to send the fee before the files can be filed.

Copy Requests:

For details on getting copies of files or documents call Client service at 609-421-6100. Requests for records should remain in composing. Refer to Copies of Court Records for more details on submitting a request.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is offered to attempt to conserve your home. Mediation is a procedure where a neutral third-party hears your case. The arbitrator does not decide on the case but guides both parties to an acceptable result on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is necessary to begin requesting mediation as soon as possible following a notice of foreclosure.

The primary step while doing so 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 fulfilled. The request likewise needs the foreclosure mediation checklist. Use the foreclosure mediation financial worksheet to reveal monetary eligibility.

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

Be mindful of frauds. Companies that promise to help you get a loan adjustment, or notices to rescue your home from foreclosure, are turning up all over NJ. You require to secure yourself and your home from fraud business that have no regard for you and your home.

You require to carefully check the company's credentials, track record, and experience. Watch out for warning signs of a rip-off. Companies may incorrectly claim to be connected with a not-for-profit or government entity, or endorsed by government officials. You must maintain personal contact with your lender and mortgage servicer. Your mortgage lending institution can assist you find genuine options to avoid foreclosure. You must use the totally free HUD/NJHMFA-certified housing counselor. More information consisting of ideas to prevent foreclosure frauds 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 safeguarded by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate property occupants have rights to remain on the residential or commercial property notwithstanding a foreclosure.

Frequently, since lenders don't understand tenants' names, the foreclosure complaint will name "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is rented, a tenant may first be outlined the foreclosure when the loan provider has a writ of possession. See the notice to property occupants of rights during a foreclosure.