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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 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 an unit in the Superior Court Clerk's Office.

The office deals with 7 kinds 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 treatments.

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, answers and demands for default) in foreclosure cases. The team performs 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 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) ought to be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The following forms might be needed in foreclosure cases. See foreclosure mediation (below) for mediation forms. Self-represented litigants can access our Self-Help page for kinds to submit.

Notice-- Foreclosure Filings - Foreclosure CIS - Revised County/Municipal Code Number Table

Filing Fee Schedule

Checks or money orders should be made payable to Treasurer - State of New Jersey. Attorneys may utilize their Judiciary Collateral Account to pay any fees. Cash is declined.

Fee Waiver Request:

Fill out the Filing Fee Waiver Request Form to look for a fee exemption. You need to meet monetary requirements for eligibility. This form ought to accompany your document( s). The kind and the documents must be sent to the General Equity Judge in the county where residential or commercial property is situated. The judge will examine the charge waiver demand. Once the judge identifies eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the cost waiver request, you will be notified to send the fee before the documents can be filed.

Copy Requests:

For information on acquiring copies of files or files 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 request.

Foreclosure Mediations & Mediation Services

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

The primary step in the procedure is to declare mediation services. Attorneys or self-represented litigants can complete the declare mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B need to be fulfilled. The request likewise needs the foreclosure mediation checklist. Use the foreclosure mediation monetary worksheet to reveal monetary eligibility.

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

Be mindful of frauds. Companies that assure to assist you get a loan adjustment, or notices to rescue your home from foreclosure, are turning up all over NJ. You require to protect yourself and your home from scam business that have no regard for you and your home.

You need to thoroughly examine the company's qualifications, credibility, and experience. Look out for warning indications of a fraud. Companies may incorrectly declare to be connected with a nonprofit or federal government entity, or endorsed by federal government authorities. You should maintain personal contact with your lending institution and mortgage servicer. Your mortgage loan provider can assist you find genuine choices to avoid foreclosure. You should utilize the totally free HUD/NJHMFA-certified housing counselor. More details consisting of ideas to avoid foreclosure frauds 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 occupants in a residential or commercial property dealing with foreclosure may 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 regardless of a foreclosure.

Frequently, since lending institutions do not know occupants' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is rented, a tenant may initially be informed about the foreclosure when the loan provider has a writ of belongings. See the notification to domestic tenants of rights during a foreclosure.

Additional Resources for Foreclosure Help

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