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Foreclosure in 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
– 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 manages seven types of foreclosures:

1. Residential mortgage
2. Multi-family/commercial mortgage
3. In personam tax certificate
4. Municipal in rapid eye movement 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 submitted with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.

The Foreclosure Processing Services team dockets pleadings (e.g., problems, responses and ask for default) in foreclosure cases. The group 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 call us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for details 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 following forms 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.

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

Filing Fee Schedule

Checks or cash orders should 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 get a fee exemption. You must satisfy monetary requirements for eligibility. This type must accompany your file( s). The type and the files ought to be sent to the General Equity Judge in the county where residential or commercial property is situated. The judge will evaluate 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 denies the fee waiver request, you will be notified to submit the cost before the files can be submitted.

Copy Requests:

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

Foreclosure Mediations & Mediation Services

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

The primary step at the same time is to declare mediation services. Attorneys or self-represented litigants can complete the declare mediation form. Eligibility requirements pursuant to Rule 4:64 -1 B need to be satisfied. The demand also needs the foreclosure mediation checklist. Use the foreclosure mediation financial worksheet to reveal monetary eligibility.

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

Be conscious of rip-offs. Companies that assure to assist you get a loan modification, or notifications to rescue your home from foreclosure, are popping up all over NJ. You require to secure yourself and your home from rip-off business that have no regard for you and your home.

You need to thoroughly check the business’s qualifications, credibility, and experience. Watch out for indication of a fraud. Companies may falsely claim to be affiliated with a nonprofit or federal government entity, or endorsed by government officials. You must preserve individual contact with your lender and mortgage servicer. Your mortgage loan provider can help you find genuine alternatives to prevent foreclosure. You need to utilize the free HUD/NJHMFA-certified housing counselor. More details consisting of suggestions to prevent foreclosure rip-offs are detailed in the general public Announcement released 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 facing foreclosure might be safeguarded by NJ’s Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate domestic renters have rights to remain on the residential or commercial property regardless of a foreclosure.

Frequently, because lenders do not understand tenants’ names, the foreclosure complaint will name “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 outlined the foreclosure when the lending institution has a writ of possession. See the notice to domestic 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.