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 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
2. Multi-family/commercial mortgage
3. In personam tax certificate
4. Municipal in rapid eye movement 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 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 requests for default) in foreclosure cases. The team performs basic foreclosure case management functions. When a case is contested, the team transfers to it General Equity Judges in the vicinages for disposition.

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
- Requests for Default

All correspondence (filings) should be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The following types might be required in foreclosure cases. See foreclosure mediation (below) for mediation forms. Self-represented litigants can access our Self-Help page for types 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 might use their Judiciary Collateral Account to pay any charges. Cash is declined.

Fee Waiver Request:

Submit the Filing Fee Waiver Request Form to use for a fee exemption. You should meet financial requirements for eligibility. This form needs to accompany your document( s). The form and the files should be sent to the General Equity Judge in the county where residential or commercial property is situated. The judge will examine the cost waiver demand. 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 request, you will be informed to send the cost before the files can be filed.

Copy Requests:

For details on acquiring copies of files or files call Client service at 609-421-6100. Requests for records should remain in writing. Refer to Copies of Court Records for more details on sending a demand.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is available to attempt to save your home. Mediation is a process where a neutral third-party hears your case. The mediator 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 throughout the mediation process. It is crucial to begin requesting mediation as soon as possible following a notification of foreclosure.

The primary step while doing so is to declare mediation services. Attorneys or self-represented litigants can finish the declare mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B should 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 asked for.

Understand frauds. Companies that assure to assist you get a loan adjustment, or notices to rescue your home from foreclosure, are appearing 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 carefully check the company's qualifications, credibility, and experience. Keep an eye out for warning signs of a scam. Companies may incorrectly claim to be associated with a not-for-profit or government entity, or backed by government authorities. You need to keep individual contact with your lending institution and mortgage servicer. Your mortgage lending institution can help you discover genuine choices to avoid foreclosure. You need to utilize the totally free HUD/NJHMFA-certified housing therapist. More information consisting of suggestions to prevent foreclosure rip-offs are described 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 tenants 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 residential tenants have rights to stay on the residential or commercial property notwithstanding a foreclosure.

Frequently, due to the fact that lending institutions don't understand tenants' names, the foreclosure complaint will call "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is leased, an occupant might initially be outlined the foreclosure when the lender has a writ of possession. See the notice to residential occupants of rights throughout a foreclosure.