Foreclosure in 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 section.

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 an unit in the Superior Court Clerk's Office.

The office manages seven types 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 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 team 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 objected to, the team transfers to it General Equity Judges in the vicinages for personality.

You can call us at 609-421-6100 or [email protected] for info on the following:

- General Questions and Status Requests
- Complaints
- Answers
- Requests for Default

All correspondence (filings) must be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The following kinds might 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 money orders ought to be made payable to Treasurer - State of New Jersey. Attorneys might utilize their Judiciary Collateral Account to pay any fees. Cash is not accepted.

Fee Waiver Request:

Complete the Filing Fee Waiver Request Form to make an application for a cost exemption. You need to meet financial requirements for eligibility. This type should accompany your document( s). The type 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 charge waiver request. Once the judge determines eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the charge waiver request, you will be notified to submit the cost before the files can be submitted.

Copy Requests:

For info on acquiring copies of files or documents call Client service at 609-421-6100. Requests for records should remain in composing. Describe Copies of Court Records for more information on sending a demand.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is readily available to try to conserve your home. Mediation is a procedure where a neutral third-party hears your case. The mediator does not make a choice on the case however guides both parties to an acceptable outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is imperative to start asking for mediation as quickly as possible following a notice of foreclosure.

The primary step at the same time is to declare mediation services. Attorneys or self-represented litigants can finish the declare mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B must be met. The request likewise requires the foreclosure mediation list. Use the foreclosure mediation monetary worksheet to show monetary eligibility.

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

Know rip-offs. Companies that guarantee to help you get a loan adjustment, or notices to save your home from foreclosure, are turning up all over NJ. You need to secure yourself and your home from fraud business that have no regard for you and your home.

You require to thoroughly examine the business's credentials, credibility, and experience. Look out for indication of a fraud. Companies may incorrectly claim to be associated with a not-for-profit or government entity, or backed by federal government officials. You should preserve personal contact with your lender and mortgage servicer. Your mortgage lending institution can help you find genuine alternatives to prevent foreclosure. You need to use the totally free HUD/NJHMFA-certified housing therapist. More info including ideas to avoid foreclosure rip-offs are detailed 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 may be protected by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential renters have rights to remain on the residential or commercial property notwithstanding a foreclosure.

Frequently, due to the fact that loan providers don't understand renters' names, the foreclosure grievance will call "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is leased, an occupant may first be told about the foreclosure when the loan provider has a writ of possession. See the notification to domestic renters of rights during a foreclosure.