Foreclosure in Brand-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 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 an unit in the Superior Court Clerk's Office.

The office 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 filed with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.

The Foreclosure Processing Services team 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 call 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) ought 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 kinds to file.

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

Filing Fee Schedule

Checks or cash orders need to be made payable to Treasurer - State of New Jersey. Attorneys might utilize their Judiciary Collateral Account to pay any charges. Cash is declined.

Fee Waiver Request:

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

Copy Requests:

For information on acquiring copies of files or files call Client service at 609-421-6100. Requests for records should remain in composing. Describe Copies of Court Records for more details on sending a demand.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is offered to try to save your home. Mediation is a procedure where a neutral third-party hears your case. The arbitrator does not decide on the case however guides both parties to an acceptable outcome on their terms. Lenders can still pursue foreclosure actions during the mediation process. It is imperative to begin requesting mediation as soon as possible following a notification of foreclosure.

The primary step while doing so is to file for mediation services. Attorneys or self-represented litigants can complete the filing for mediation form. Eligibility requirements pursuant to Rule 4:64 -1 B should be fulfilled. The demand also needs the foreclosure mediation checklist. Use the foreclosure mediation financial worksheet to reveal financial eligibility.

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

Know rip-offs. Companies that guarantee to assist you get a loan adjustment, or notices to rescue your home from foreclosure, are popping up all over NJ. You require to protect yourself and your home from scam companies that have no regard for you and your home.

You require to carefully examine the business's credentials, reputation, and experience. Look out for indication of a scam. Companies might falsely claim to be affiliated with a not-for-profit or federal government entity, or endorsed by government officials. You must keep personal contact with your lender and mortgage servicer. Your mortgage lending institution can help you find genuine alternatives to prevent foreclosure. You should utilize the complimentary HUD/NJHMFA-certified housing counselor. More details including ideas 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 tenants in a residential or commercial property dealing with foreclosure might be protected 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, due to the fact that lending institutions don't know tenants' names, the foreclosure grievance will call "John Doe, Tenants No. 1 to 10." If a loan provider is unaware that the residential or commercial property is rented, a renter might initially be outlined the foreclosure when the loan provider has a writ of ownership. See the notice to domestic renters of rights throughout a foreclosure.

Additional Resources for Foreclosure Help