1 Foreclosure in Brand-new Jersey
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    Foreclosure In New Jersey

    1. Home
  1. Courts
  2. Superior Court Clerk's Office
  3. 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 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 deals with 7 types of foreclosures:

    1. Residential mortgage
  1. Multi-family/commercial mortgage
  2. In personam tax certificate
  3. Municipal in rem tax certificate
  4. Condominium lien
  5. Strict foreclosure
  6. Fair Foreclosure Act optional treatments.

    Foreclosure Actions and Foreclosure Processing Services

    Foreclosure actions are submitted in the Superior Court. Pleadings are submitted with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.

    The Foreclosure Processing Services team dockets pleadings (e.g., grievances, answers and ask for default) in foreclosure cases. The team performs basic foreclosure case management functions. When a case is objected to, the group 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 info on the following:

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

    All correspondence (filings) need to be directed to:

    Regular Mail

    Messenger Service

    Foreclosure Forms

    The list below kinds 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 file.

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

    Filing Fee Schedule

    Checks or cash orders must be made payable to Treasurer - State of New Jersey. Attorneys may utilize their Judiciary Collateral Account to pay any fees. Cash is not accepted.

    Fee Waiver Request:

    Fill out the Filing Fee Waiver Request Form to obtain a cost exemption. You must satisfy financial requirements for eligibility. This form ought to accompany your document( s). The form and the documents ought to be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will evaluate the fee waiver request. Once the judge determines eligibility, your documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the fee waiver request, you will be informed to send the charge before the documents can be submitted.

    Copy Requests:

    For information on getting copies of files or documents call Customer care at 609-421-6100. Requests for records should be in composing. Refer to Copies of Court Records for more details on sending a request.

    Foreclosure Mediations & Mediation Services

    Free foreclosure mediation is offered to attempt to save your home. Mediation is a procedure where a neutral third-party hears your case. The mediator does not decide 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 crucial to start requesting mediation as soon as possible following a notification of foreclosure.

    The primary step in the process is to submit for mediation services. Attorneys or self-represented litigants can finish the declare mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B need to be met. The demand also requires the list. Use the foreclosure mediation financial worksheet to reveal monetary eligibility.

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

    Understand scams. Companies that guarantee to help you get a loan adjustment, or notices to save your home from foreclosure, are appearing all over NJ. You need to secure yourself and your home from scam business that have no regard for you and your home.

    You require to carefully inspect the company's credentials, credibility, and experience. Watch out for indication of a fraud. Companies might incorrectly claim to be associated with a nonprofit or federal government entity, or backed by government officials. You ought to preserve personal contact with your lending institution and mortgage servicer. Your mortgage lender can help you find genuine alternatives to prevent foreclosure. You ought to utilize the totally free HUD/NJHMFA-certified housing counselor. More details consisting of pointers to avoid foreclosure rip-offs are detailed 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 facing 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, because loan providers do not understand tenants' names, the foreclosure grievance will name "John Doe, Tenants No. 1 to 10." If a lending institution is uninformed that the residential or commercial property is rented, a renter may first be outlined the foreclosure when the lender has a writ of ownership. See the notification to property tenants of rights throughout a foreclosure.
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    Additional Resources for Foreclosure Help

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