Foreclosure in new Jersey

Designated Mt. Laurel Judges
- Designated OPRA Judges
- Family Presiding Judges
- Judges' Biographies
- Judges' Chambers
- Municipal Presiding Judges
- Probate Part Judges
- Special Civil Part Supervising Judges
- Tax Court Judges Directory

- Civil Division Manager Conference Contact List
- Criminal Division Manager Conference Contact List
- Family Division Manager Conference Contact List
- Finance Division Manager Conference Contact List
- Human Resources Division Manager Conference Contact List
- Municipal Division Manager Conference Contact List
- Operations Division Managers Contact List
- Probation Division Manager Contact List

- Access and Fairness Committee
- Diversity, Inclusion, & Community Engagement
- Equal Justice Action Plans

- Find a Case - Civil and Foreclosure Public Access
- Judgment Lien Public Access
- Tax Case Public Access

- Become a Law Clerk
- Benefits
- ADA Accommodations
- EEO/AA - Fair Treatment Contact Information by Vicinage

- Top News
- Supreme Court Correspondence
- Notable Cases

- NJ Judiciary/Dept of Justice Memorandum of Agreement
- Ombudsman Office
- Public Bidding Opportunities
- Publications, Reports, and Statistics
- Student Resources
- Tell Us How We're Doing
- Upcoming Events
- Virtual Museum
- Atlantic
- Bergen
- Burlington
- Camden
- Cape May
- Cumberland
- Essex
- Gloucester
- Hudson
- Hunterdon
- Mercer
- Middlesex
- Monmouth
- Morris
- Ocean
- Passaic
- Salem
- Somerset
- Sussex
- Union
- Warren

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 section.

The Office of Foreclosure

The foreclosure process 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 handles 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 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 group dockets pleadings (e.g., problems, answers and ask for default) in foreclosure cases. The group 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 contact us at 609-421-6100 or [email protected] 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 might be needed 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 money orders must 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:

Fill out the Filing Fee Waiver Request Form to make an application for a fee exemption. You need to fulfill monetary requirements for eligibility. This type needs to accompany your document( s). The kind and the files need to be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will evaluate the charge waiver demand. Once the judge determines eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the cost waiver demand, you will be informed to send the charge before the files can be submitted.

Copy Requests:

For info on acquiring copies of files or files call Client service at 609-421-6100. Ask for records should be in writing. Describe Copies of Court Records for more details on submitting a demand.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is readily available to attempt to conserve your home. Mediation is a process where a neutral third-party hears your case. The conciliator does not make a choice on the case but guides both celebrations to an appropriate outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is essential to begin requesting mediation as soon as possible following a notification of foreclosure.

The initial step at the same time 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 must be satisfied. The request likewise requires the foreclosure mediation list. 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 scams. Companies that guarantee to help you get a loan modification, or notices to rescue your home from foreclosure, are turning up all over NJ. You require to safeguard yourself and your home from fraud companies that have no regard for you and your home.

You need to thoroughly inspect the business's credentials, track record, and experience. Keep an eye out for caution indications of a rip-off. Companies might wrongly claim to be connected with a not-for-profit or federal government entity, or backed by government authorities. You ought to preserve individual contact with your lender and mortgage servicer. Your mortgage lending institution can help you find real choices to prevent foreclosure. You ought to use the free HUD/NJHMFA-certified housing counselor. More details including suggestions to avoid foreclosure scams 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 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 residential occupants have rights to remain on the residential or commercial property regardless of a foreclosure.

Frequently, because lending institutions do not know tenants' 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 rented, an occupant may first be informed about the foreclosure when the lending institution has a writ of ownership. See the notice to domestic renters of rights during a foreclosure.