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
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- Foreclosure
- Pre-foreclosure

If you're representing yourself in a foreclosure case, visit our self-help section.

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 deals with seven types of foreclosures:

1. Residential mortgage
2. Multi-family/commercial mortgage
3. In personam tax certificate
4. Municipal in rem 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., complaints, answers and requests for default) in foreclosure cases. The team performs general 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 [email protected] for information on the following:

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

All correspondence (filings) must be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The following forms might be needed in foreclosure cases. See foreclosure mediation (listed below) for mediation types. 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 money orders need to be made payable to Treasurer - State of New Jersey. Attorneys might utilize their Judiciary Collateral Account to pay any costs. Cash is not accepted.

Fee Waiver Request:

Complete the Filing Fee Waiver Request Form to request a cost exemption. You need to fulfill monetary requirements for eligibility. This form ought to accompany your file( s). The kind and the files need to be sent 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 identifies 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 charge before the files can be filed.

Copy Requests:

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

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is available to try to save your home. Mediation is a process where a neutral third-party hears your case. The conciliator does not decide on the case but guides both parties to an acceptable result on their terms. Lenders can still pursue foreclosure actions during the mediation process. It is important to begin requesting mediation as quickly as possible following a notification of foreclosure.

The first step in the procedure is to file for mediation services. Attorneys or self-represented litigants can complete the filing for mediation form. Eligibility requirements pursuant to Rule 4:64 -1 B must be satisfied. The demand likewise needs the foreclosure mediation checklist. Use the foreclosure mediation monetary worksheet to reveal financial eligibility.

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

Understand frauds. Companies that guarantee to assist you get a loan modification, or notices to rescue your home from foreclosure, are turning up all over NJ. You need to safeguard yourself and your home from fraud companies that have no regard for you and your home.

You need to thoroughly check the business's qualifications, track record, and experience. Watch out for caution indications of a scam. Companies might falsely claim to be connected with a not-for-profit or federal government entity, or endorsed by federal government officials. You need to keep individual contact with your lender and mortgage servicer. Your mortgage lending institution can help you find genuine alternatives to prevent foreclosure. You must use the totally free HUD/NJHMFA-certified housing therapist. More information consisting of pointers to avoid foreclosure frauds are outlined in the general 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 facing 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 regardless of a foreclosure.

Frequently, due to the fact that loan providers don't know renters' names, the foreclosure grievance will name "John Doe, Tenants No. 1 to 10." If a loan provider is uninformed that the residential or commercial property is leased, an occupant might initially be outlined the foreclosure when the lending institution has a writ of belongings. See the notice to property tenants of rights throughout a foreclosure.