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 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 office handles 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 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., complaints, answers and ask for default) in foreclosure cases. The group carries out basic foreclosure case management functions. When a case is contested, 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 information on the following:

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

    All correspondence (filings) ought to be directed to:

    Regular Mail

    Messenger Service

    Foreclosure Forms

    The list below types could be needed in foreclosure cases. See foreclosure mediation (listed 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 money orders must be made payable to Treasurer - State of New Jersey. Attorneys might use their Account to pay any charges. Cash is not accepted.

    Fee Waiver Request:

    Fill out the Filing Fee Waiver Request Form to look for a charge exemption. You should fulfill financial requirements for eligibility. This type must accompany your document( s). The kind and the files need to be sent to the General Equity Judge in the county where residential or commercial property lies. The judge will review the fee waiver request. Once the judge figures out 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 informed to submit the fee before the files can be submitted.

    Copy Requests:

    For details on obtaining copies of files or files call Client service at 609-421-6100. Ask for records need to be in writing. Describe Copies of Court Records for more details on sending a demand.

    Foreclosure Mediations & Mediation Services

    Free foreclosure mediation is available to attempt to conserve 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 parties to an acceptable outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is vital to start asking for mediation as quickly as possible following a notification of foreclosure.

    The first action while doing so is to apply for mediation services. Attorneys or self-represented litigants can finish the filing for mediation form. Eligibility requirements pursuant to Rule 4:64 -1 B must be satisfied. The demand also needs the foreclosure mediation checklist. Use the foreclosure mediation monetary worksheet to show monetary eligibility.

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

    Know frauds. Companies that promise to assist you get a loan adjustment, or notices to save your home from foreclosure, are turning up all over NJ. You need to safeguard yourself and your home from rip-off companies that have no regard for you and your home.

    You need to thoroughly check the business's qualifications, track record, and experience. Keep an eye out for caution signs of a rip-off. Companies might incorrectly declare to be connected with a not-for-profit or government entity, or endorsed by federal government authorities. You must preserve personal contact with your lender and mortgage servicer. Your mortgage lender can help you discover real alternatives to avoid foreclosure. You should utilize the complimentary HUD/NJHMFA-certified housing therapist. More information including tips to avoid foreclosure scams are outlined 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 renters in a residential or commercial property facing foreclosure might be protected by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate property tenants have rights to remain on the residential or commercial property notwithstanding a foreclosure.

    Frequently, since loan providers do not understand renters' names, the foreclosure grievance will call "John Doe, Tenants No. 1 to 10." If a loan provider is uninformed that the residential or commercial property is leased, an occupant may initially be informed about the foreclosure when the lender has a writ of possession. See the notification to domestic renters of rights throughout a foreclosure.

    Additional Resources for Foreclosure Help

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