Foreclosure in new Jersey

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

The workplace deals with 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 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 team 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 call us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for details on the following:

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

All correspondence (filings) must be directed to:

Regular Mail

Messenger Service

Foreclosure Forms

The following types could be required in foreclosure cases. See foreclosure mediation (below) for mediation forms. Self-represented litigants can access our Self-Help page for forms to file.

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

Filing Fee Schedule

Checks or cash orders ought to be made payable to Treasurer - State of New Jersey. Attorneys may use their Judiciary Collateral Account to pay any charges. Cash is not accepted.

Fee Waiver Request:

Complete the Filing Fee Waiver Request Form to obtain a fee exemption. You should satisfy monetary requirements for eligibility. This kind must accompany your document( s). The form 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 cost waiver demand. 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 request, you will be notified to submit the cost before the files can be submitted.

Copy Requests:

For info on acquiring copies of files or documents call Customer support at 609-421-6100. Ask for records need to remain in writing. Describe Copies of Court Records for more details on sending a request.

Foreclosure Mediations & Mediation Services

Free foreclosure mediation is available to try to save your home. Mediation is a procedure where a neutral third-party hears your case. The conciliator does not decide on the case however guides both parties to an appropriate outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation procedure. It is crucial to begin requesting mediation as quickly as possible following a notification of foreclosure.

The primary step at the same time is to declare mediation services. Attorneys or self-represented litigants can complete the declare mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B must be satisfied. The request likewise requires the foreclosure mediation checklist. Use the foreclosure mediation financial worksheet to reveal financial eligibility.

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

Be aware of scams. Companies that promise to help you get a loan modification, or notices to rescue your home from foreclosure, are appearing all over NJ. You need to secure yourself and your home from fraud business that have no regard for you and your home.

You require to thoroughly examine the business's qualifications, credibility, and experience. Look out for indication of a rip-off. Companies might wrongly declare to be affiliated with a nonprofit or government entity, or endorsed by government authorities. You should keep individual contact with your lending institution and mortgage servicer. Your mortgage lender can assist you discover real alternatives to avoid foreclosure. You must utilize the complimentary HUD/NJHMFA-certified housing counselor. More information consisting of suggestions to prevent foreclosure rip-offs are described in the general public Announcement launched 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 property occupants have rights to remain on the residential or commercial property regardless of a foreclosure.

Frequently, due to the fact that lending institutions do not know occupants' 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 might initially be outlined the foreclosure when the lender has a writ of ownership. See the notice to residential occupants of rights during a foreclosure.