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 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 workplace manages 7 types 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 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., problems, responses and requests for default) in foreclosure cases. The team carries out basic foreclosure case management functions. When a case is contested, the group transfers to it General Equity Judges in the vicinages for disposition.

    You can call 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) must be directed to:

    Regular Mail
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    Messenger Service

    Foreclosure Forms
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    The list below forms could be needed in foreclosure cases. See foreclosure mediation (listed 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 should be made payable to Treasurer - State of New Jersey. Attorneys might use their Judiciary Collateral Account to pay any fees. Cash is not accepted.

    Fee Waiver Request:

    Fill out the Filing Fee Waiver Request Form to make an application for a charge exemption. You must meet financial requirements for eligibility. This kind ought to accompany your document( s). The type and the files ought to be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will review the cost 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 demand, you will be notified to submit the fee before the files can be submitted.

    Copy Requests:

    For information on getting copies of files or files call Client service at 609-421-6100. Ask for records must be in composing. Refer to Copies of Court Records for more details on submitting a demand.

    Foreclosure Mediations & Mediation Services

    Free foreclosure mediation is available to attempt to save your home. Mediation is a procedure where a neutral third-party hears your case. The mediator does not decide on the case but guides both parties to an appropriate outcome 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 notification of foreclosure.

    The initial step at the same time is to declare 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 met. The demand also needs the foreclosure mediation list. 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.

    Understand rip-offs. Companies that guarantee to help you get a loan modification, or notifications to rescue your home from foreclosure, are popping up all over NJ. You need to protect yourself and your home from scam companies that have no regard for you and your home.

    You require to thoroughly examine the business's qualifications, credibility, and experience. Watch out for indication of a scam. Companies may falsely claim to be affiliated with a not-for-profit or federal government entity, or endorsed by federal government officials. You need to maintain personal contact with your lender and mortgage servicer. Your mortgage lender can assist you find real alternatives to prevent foreclosure. You need to utilize the complimentary HUD/NJHMFA-certified housing counselor. More information consisting of suggestions to prevent foreclosure scams are detailed in the general public Announcement released by the Federal Reserve.

    Notices to the Bar

    Notice - 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 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 notwithstanding a foreclosure.

    Frequently, since lending institutions do not understand occupants' names, the foreclosure problem will name "John Doe, Tenants No. 1 to 10." If a lending institution is unaware that the residential or commercial property is leased, a tenant might initially be outlined the foreclosure when the lender has a writ of possession. See the notification to domestic renters of rights during a foreclosure.

    Additional Resources for Foreclosure Help

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