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

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  • 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 includes 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 7 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 procedures.

    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, answers and demands for default) in foreclosure cases. The group carries out basic 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

  • Ask for Default

    All correspondence (filings) need to be directed to:

    Regular Mail

    Messenger Service

    Foreclosure Forms

    The list below forms could be required in foreclosure cases. See foreclosure mediation (below) for mediation kinds. 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 use their Judiciary Collateral Account to pay any charges. Cash is not accepted.

    Fee Waiver Request:

    Fill out the Filing Fee Waiver Request Form to obtain a charge exemption. You should satisfy financial requirements for eligibility. This kind needs to accompany your document( s). The form and the documents must be sent to the General Equity Judge in the county where residential or commercial property lies. The judge will examine the charge waiver request. Once the judge determines 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 alerted to submit the cost before the files can be submitted.

    Copy Requests:

    For details on acquiring copies of files or files call Customer care at 609-421-6100. Requests for records must be in writing. Describe Copies of Court Records for more information on submitting 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 make a choice on the case but guides both parties to an acceptable outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is essential to start asking for mediation as soon as possible following a notification of foreclosure.

    The initial step in the process is to declare 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 demand likewise requires the foreclosure mediation list. Use the foreclosure mediation financial worksheet to show monetary eligibility.

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

    Know rip-offs. Companies that promise to help you get a loan adjustment, or notices to save your home from foreclosure, are appearing all over NJ. You need to protect 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, track record, and experience. Keep an eye out for indication of a scam. Companies might incorrectly claim to be affiliated with a nonprofit or federal government entity, or endorsed by federal government authorities. You need to maintain individual contact with your loan provider and mortgage servicer. Your mortgage loan provider can assist you discover real choices to avoid foreclosure. You ought to utilize the totally free HUD/NJHMFA-certified housing counselor. More information consisting of suggestions to avoid foreclosure frauds are outlined 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 renters 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 domestic tenants have rights to remain on the residential or commercial property regardless of a foreclosure.

    Frequently, because loan providers don't know tenants' names, the foreclosure complaint will call "John Doe, Tenants No. 1 to 10." If a lending institution is unaware that the residential or commercial property is rented, an occupant might first be informed about the foreclosure when the lending institution has a writ of belongings. See the notice to domestic tenants of rights during a foreclosure.

    Additional Resources for Foreclosure Help

    Legal Services of New Jersey can supply resources and legal help for qualified litigants. The NJ Dept.