1 Foreclosure in new Jersey

Steven Moses edited this page 2025-06-19 17:05:30 +08:00

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  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
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• 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 manages 7 kinds 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 procedures.
   
   Foreclosure Actions and Foreclosure Processing Services
   
   Foreclosure actions are filed 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 demands for default) in foreclosure cases. The group performs basic foreclosure case management functions. When a case is contested, 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 details on the following:
   
   - General Questions and Status Requests

• Complaints
• Answers
• Ask for Default
  
  All correspondence (filings) should be directed to:
  
  Regular Mail
  
  Messenger Service
  
  Foreclosure Forms
  
  The following kinds might be needed in foreclosure cases. See foreclosure mediation (below) for mediation forms. Self-represented litigants can access our Self-Help page for kinds to submit.
  
  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 use their Judiciary Collateral Account to pay any costs. Cash is declined.
  
  Fee Waiver Request:
  
  Complete the Filing Fee Waiver Request Form to request a cost exemption. You need to satisfy monetary requirements for eligibility. This type ought to accompany your document( s). The kind and the documents should be sent to the General Equity Judge in the county where residential or commercial property is situated. The judge will review the charge 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 informed to send the fee before the documents can be submitted.
  
  Copy Requests:
  
  For info on obtaining copies of files or documents call Customer support at 609-421-6100. Ask for records should be in composing. Describe Copies of Court Records for more information on sending a request.
  
  Foreclosure Mediations & Mediation Services
  
  Free foreclosure mediation is available to attempt 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 celebrations to an appropriate result on their terms. Lenders can still pursue foreclosure actions during the mediation process. It is crucial to start requesting mediation as quickly as possible following a notice of foreclosure.
  
  The initial step in the procedure is to apply for mediation services. Attorneys or self-represented litigants can complete the filing for mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B need to be satisfied. The request likewise requires the foreclosure mediation list. Use the foreclosure mediation monetary worksheet to reveal monetary eligibility.
  
  If a sheriff's sale is scheduled, there are 2 statutory stays that can be asked for.
  
  Understand rip-offs. Companies that assure to help you get a loan adjustment, or notifications to save your home from foreclosure, are popping up all over NJ. You require to protect yourself and your home from scam business that have no regard for you and your home.
  
  You require to carefully check the business's credentials, credibility, and experience. Watch out for caution indications of a fraud. Companies may wrongly claim to be affiliated with a nonprofit or government entity, or endorsed by government officials. You should preserve individual contact with your lending institution and mortgage servicer. Your mortgage loan provider can help you find real options to avoid foreclosure. You must use the complimentary HUD/NJHMFA-certified housing therapist. More information consisting of pointers to prevent foreclosure frauds are outlined in the 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 may be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate domestic occupants have rights to stay on the or commercial property notwithstanding a foreclosure.
  
  Frequently, because loan providers do not know tenants' names, the foreclosure complaint will name "John Doe, Tenants No. 1 to 10." If a loan provider is uninformed that the residential or commercial property is rented, a renter may initially be outlined the foreclosure when the lending institution has a writ of belongings. See the notice to domestic renters of rights throughout a foreclosure.
  
  Additional Resources for Foreclosure Help
  
  Legal Services of New Jersey can offer resources and legal help for certified litigants. The NJ Dept.