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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 section.
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 a system in the Superior Court Clerk's Office.
The workplace manages seven kinds 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 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., grievances, answers and ask for default) in foreclosure cases. The team carries out general foreclosure case management functions. When a case is contested, the group transfers to it General Equity Judges in the vicinages for personality.
You can call us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for information on the following:
- General Questions and Status Requests
Complaints
Answers
Ask for Default
All correspondence (filings) ought to 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 kinds. Self-represented litigants can access our Self-Help page for types to submit.
Checks or cash orders should 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:
Complete the Filing Fee Waiver Request Form to make an application for a charge exemption. You must fulfill monetary requirements for eligibility. This kind needs to accompany your file( s). The type and the documents need to be sent to the General Equity Judge in the county where residential or commercial property is located. The judge will examine the fee waiver request. Once the judge determines eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the fee waiver demand, you will be notified to submit the fee before the files can be filed.
Copy Requests:
For info on obtaining copies of files or documents call Customer Service at 609-421-6100. Ask for records must be in writing. Describe Copies of Court Records for more details on sending a demand.
Foreclosure Mediations & Mediation Services
Free foreclosure mediation is readily available to try to conserve 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 appropriate result on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is imperative to begin requesting mediation as quickly as possible following a notice of foreclosure.
The first step in the procedure is to file for 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 fulfilled. The demand also requires the foreclosure mediation list. Use the foreclosure mediation financial worksheet to show monetary eligibility.
If a constable's sale is set up, there are 2 statutory stays that can be requested.
Know scams. Companies that guarantee to help you get a loan modification, or notices to rescue your home from foreclosure, are popping up all over NJ. You require to secure yourself and your home from rip-off companies that have no regard for you and your home.
You require to carefully examine the business's qualifications, credibility, and experience. Watch out for indication of a rip-off. Companies may incorrectly claim to be connected with a not-for-profit or federal government entity, or backed by government officials. You ought to keep individual 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 complimentary HUD/NJHMFA-certified housing therapist. More information consisting of ideas to avoid foreclosure rip-offs are laid out in the Public Announcement launched by the Federal Reserve.
Residential occupants 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 residential occupants have rights to stay on the residential or commercial property notwithstanding a foreclosure.
Frequently, since lenders don't know renters' names, the foreclosure grievance will call "John Doe, Tenants No. 1 to 10." If a lending institution is uninformed that the residential or commercial property is leased, a tenant might initially be informed about the foreclosure when the loan provider has a writ of ownership. See the notification to property occupants of rights during a foreclosure.
Additional Resources for Foreclosure Help
Legal Services of New Jersey can offer resources and legal assistance for certified litigants. The NJ Dept.