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Foreclosure in Brand 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 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 deals with seven 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 submitted in the Superior Court. Pleadings are submitted with the Office of the Superior Court Clerk, Foreclosure Processing Services in Trenton.
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The Foreclosure Processing Services group dockets pleadings (e.g., grievances, responses and demands for default) in foreclosure cases. The team 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 information 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 list below kinds might be required in foreclosure cases. See foreclosure mediation (listed below) for mediation kinds. Self-represented litigants can access our Self-Help page for forms 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 might utilize their Judiciary Collateral Account to pay any costs. Cash is declined.
Fee Waiver Request:
Fill out the Filing Fee Waiver Request Form to make an application for a cost exemption. You must satisfy financial requirements for eligibility. This kind should accompany your file( s). The form and the files need to be to the General Equity Judge in the county where residential or commercial property is located. The judge will review the fee waiver request. Once the judge determines 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 notified to submit the charge before the documents can be filed.
Copy Requests:
For info on acquiring copies of files or files call Customer care at 609-421-6100. Ask for records need to remain in writing. Refer to Copies of Court Records for more details on submitting a request.
Foreclosure Mediations & Mediation Services
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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 decide on the case however guides both celebrations to an appropriate result on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is necessary to begin requesting mediation as soon as possible following a notice of foreclosure.
The primary step at the same time is to file for mediation services. Attorneys or self-represented litigants can finish the filing for mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B must be met. The demand likewise needs the foreclosure mediation list. 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 asked for.
Know rip-offs. Companies that promise to help you get a loan adjustment, or notifications to save your home from foreclosure, are appearing all over NJ. You need to protect yourself and your home from scam companies that have no regard for you and your home.
You need to carefully check the company's credentials, track record, and experience. Watch out for indication of a scam. Companies might falsely claim to be connected with a nonprofit or federal government entity, or backed by federal government authorities. You must keep individual contact with your loan provider and mortgage servicer. Your mortgage loan provider can assist you find real choices to avoid foreclosure. You should utilize the free HUD/NJHMFA-certified housing therapist. More details consisting of tips to prevent foreclosure rip-offs are described 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 dealing with foreclosure might be protected by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential tenants have rights to remain on the residential or commercial property regardless of a foreclosure.
Frequently, because lending institutions don't know occupants' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a lender is uninformed that the residential or commercial property is rented, an occupant may first be informed about the foreclosure when the lender has a writ of belongings. See the notification to property tenants of rights during a foreclosure.
Additional Resources for Foreclosure Help
Legal Services of New Jersey can supply resources and legal assistance for qualified litigants. The NJ Dept.