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 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 workplace handles 7 kinds of foreclosures:

    1. Residential mortgage

  • Multi-family/commercial mortgage

  • In personam tax certificate

  • Municipal in rapid eye movement 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., complaints, answers and ask for default) in foreclosure cases. The group carries out basic foreclosure case management functions. When a case is objected to, 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 details 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 list below kinds might be required 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 need to be made payable to Treasurer - State of New Jersey. Attorneys may utilize their Judiciary Collateral Account to pay any charges. Cash is not accepted.

    Fee Waiver Request:

    Complete the Filing Fee Waiver Request Form to use for a charge exemption. You should fulfill monetary requirements for eligibility. This type must accompany your document( s). The type and the documents ought to be submitted to the General Equity Judge in the county where residential or commercial property is located. The judge will review the charge waiver demand. 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 demand, you will be informed to send the cost before the files can be filed.

    Copy Requests:

    For information on getting copies of files or documents call Customer care at 609-421-6100. Ask for records need to remain in writing. Refer to Copies of Court Records for more information on submitting a demand.

    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 celebrations to an acceptable outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is important to begin requesting mediation as soon as possible following a notification of foreclosure.

    The first step at the same time is to declare mediation services. Attorneys or self-represented litigants can finish the filing for mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B must be met. The demand likewise requires the foreclosure mediation checklist. 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.

    Understand frauds. Companies that promise to assist you get a loan adjustment, or notices to rescue your home from foreclosure, are appearing all over NJ. You require to secure yourself and your home from fraud business that have no regard for you and your home.

    You need to thoroughly examine the business's qualifications, reputation, and experience. Look out for indication of a fraud. Companies may falsely claim to be connected with a not-for-profit or federal government entity, or endorsed by federal government authorities. You must keep personal contact with your lender and mortgage servicer. Your mortgage lending institution can help you discover genuine alternatives to avoid foreclosure. You should utilize the free HUD/NJHMFA-certified housing therapist. More info including pointers to prevent foreclosure frauds are described in the general 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 tenants in a residential or commercial property dealing with foreclosure might be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate domestic renters have rights to stay on the residential or commercial property notwithstanding a foreclosure.

    Frequently, since loan providers don't know renters' names, the foreclosure complaint will call "John Doe, Tenants No. 1 to 10." If a lending institution is uninformed that the residential or commercial property is leased, a renter may first be outlined the foreclosure when the lending institution has a writ of ownership. See the notice to property occupants of rights throughout a foreclosure.
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    Additional Resources for Foreclosure Help

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