Foreclosure in 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
  • 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 a system 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 procedures.

    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, responses 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 personality.

    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
  • Requests for Default

    All correspondence (filings) should be directed to:

    Regular Mail

    Messenger Service

    Foreclosure Forms

    The list below types could be needed in foreclosure cases. See foreclosure mediation (below) for mediation types. 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 ought to be made payable to Treasurer - State of New Jersey. Attorneys may use their Judiciary Collateral Account to pay any charges. Cash is declined.

    Fee Waiver Request:

    Submit the Filing Fee Waiver Request Form to request a fee exemption. You should meet monetary requirements for eligibility. This kind must accompany your document( s). The type and the documents ought to be sent to the General Equity Judge in the county where residential or commercial property is located. The judge will examine the cost waiver demand. Once the judge identifies eligibility, your documents 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 submit the cost before the files can be submitted.

    Copy Requests:

    For info on acquiring copies of files or documents call Customer Service at 609-421-6100. Ask for records must remain in writing. Refer to Copies of Court Records for more information on sending a demand.

    Foreclosure Mediations & Mediation Services

    Free foreclosure mediation is offered to attempt to conserve your home. Mediation is a process where a neutral third-party hears your case. The conciliator does not make a decision 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 imperative to start asking for mediation as quickly as possible following a notification of foreclosure.

    The very first action in the procedure is to submit for mediation services. Attorneys or self-represented litigants can finish the filing for mediation form. Eligibility requirements pursuant to Rule 4:64 -1 B should be satisfied. The request likewise requires the foreclosure mediation checklist. Use the foreclosure mediation monetary worksheet to reveal financial eligibility.

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

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

    You need to thoroughly check the business's credentials, track record, and experience. Keep an eye out for warning signs of a rip-off. Companies might falsely claim to be connected with a nonprofit or government entity, or endorsed by federal government officials. You ought to maintain personal contact with your loan provider and mortgage servicer. Your mortgage lender can help you find genuine choices to prevent foreclosure. You must use the complimentary HUD/NJHMFA-certified housing counselor. More details consisting of suggestions to prevent foreclosure frauds are outlined 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 renters 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 remain on the residential or commercial property notwithstanding a foreclosure.

    Frequently, because loan providers don't understand occupants' names, the foreclosure problem 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 domestic renters of rights throughout a foreclosure.

    Additional Resources for Foreclosure Help

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