Foreclosure in Brand-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
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  • 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 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 7 types 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 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 team dockets pleadings (e.g., problems, answers and ask for default) in foreclosure cases. The team performs basic foreclosure case management functions. When a case is contested, 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 types could be required in foreclosure cases. See foreclosure mediation (below) for mediation types. Self-represented litigants can access our Self-Help page for forms 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 may use their Judiciary Collateral Account to pay any charges. Cash is not accepted.

    Fee Waiver Request:

    Fill out the Filing Request Form to use for a cost exemption. You should fulfill monetary requirements for eligibility. This type must accompany your file( s). The type and the files need to be sent to the General Equity Judge in the county where residential or commercial property lies. The judge will evaluate the cost waiver demand. Once the judge determines eligibility, your documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the charge waiver demand, you will be alerted to send the cost before the files can be submitted.

    Copy Requests:

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

    Foreclosure Mediations & Mediation Services

    Free foreclosure mediation is available to try to conserve your home. Mediation is a process 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 process. It is essential to start requesting mediation as soon as possible following a notice of foreclosure.

    The very first action at the same time is to apply for mediation services. Attorneys or self-represented litigants can complete the declare mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B should be fulfilled. The request likewise requires the foreclosure mediation list. Use the foreclosure mediation monetary worksheet to show monetary eligibility.

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

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

    You need to thoroughly examine the company's qualifications, track record, and experience. Keep an eye out for indication of a rip-off. Companies might falsely declare to be associated with a not-for-profit or government entity, or backed by federal government authorities. You should maintain personal contact with your lender and mortgage servicer. Your mortgage lending institution can help you find genuine options to avoid foreclosure. You must utilize the complimentary HUD/NJHMFA-certified housing counselor. More details including pointers to prevent foreclosure scams are detailed 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 tenants in a residential or commercial property dealing with foreclosure might be safeguarded by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate property renters have rights to remain on the residential or commercial property regardless of a foreclosure.

    Frequently, because lending institutions do not know occupants' names, the foreclosure complaint will name "John Doe, Tenants No. 1 to 10." If a loan provider is uninformed that the residential or commercial property is rented, a renter might initially be outlined the foreclosure when the lender has a writ of belongings. See the notice to property tenants of rights throughout a foreclosure.

    Additional Resources for Foreclosure Help

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