1 Foreclosure in new Jersey

Meagan Chappel edited this page 2025-06-21 04:13:07 +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
• 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 involves 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 office deals with seven types of foreclosures:
  
  1. Residential mortgage

2. Multi-family/commercial mortgage
3. In personam tax certificate
4. Municipal in rem tax certificate
5. Condominium lien
6. Strict foreclosure
7. Fair Foreclosure Act optional procedures.
   
   Foreclosure Actions and Foreclosure Processing Services
   
   Foreclosure actions are submitted 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, responses and requests for default) in foreclosure cases. The group carries out 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 contact 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) ought 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 types. 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 cash orders must be made payable to Treasurer - State of New Jersey. Attorneys might use their Judiciary Collateral Account to pay any fees. Cash is declined.
  
  Fee Waiver Request:
  
  Complete the Filing Fee Waiver Request Form to make an application for a charge exemption. You must fulfill financial requirements for eligibility. This form must accompany your document( s). The kind and the files must be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will review the charge waiver demand. Once the judge identifies eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the charge waiver request, you will be informed to send the charge before the documents can be submitted.
  
  Copy Requests:
  
  For info on obtaining copies of files or files call Customer Service at 609-421-6100. Requests for records need to be in composing. Refer to Copies of Court Records for more details on submitting a demand.
  
  Foreclosure Mediations & Mediation Services
  
  Free foreclosure mediation is available to attempt to conserve your home. Mediation is a procedure where a hears your case. The mediator does not decide on the case however guides both celebrations to an acceptable outcome on their terms. Lenders can still pursue foreclosure actions during the mediation procedure. It is necessary to begin asking for mediation as soon as possible following a notice of foreclosure.
  
  The very first step at the same time is to apply for mediation services. Attorneys or self-represented litigants can complete the filing for mediation type. Eligibility requirements pursuant to Rule 4:64 -1 B should be met. The demand likewise needs the foreclosure mediation list. 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 requested.
  zhihu.com
  Know scams. Companies that promise to assist you get a loan adjustment, or notifications to rescue your home from foreclosure, are appearing all over NJ. You require to safeguard yourself and your home from rip-off companies that have no regard for you and your home.
  
  You need to thoroughly inspect the business's qualifications, track record, and experience. Watch out for indication of a rip-off. Companies might wrongly claim to be affiliated with a not-for-profit or federal government entity, or backed by federal government officials. You should maintain personal contact with your lending institution and mortgage servicer. Your mortgage loan provider can assist you discover real options to avoid foreclosure. You need to utilize the totally free HUD/NJHMFA-certified housing therapist. More details including tips to prevent foreclosure frauds are laid out 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 occupants in a residential or commercial property dealing with foreclosure may be safeguarded by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential renters have rights to remain on the residential or commercial property regardless of a foreclosure.
  
  Frequently, because loan providers don't understand occupants' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a lender is unaware that the residential or commercial property is leased, a tenant might first be outlined the foreclosure when the lending institution has a writ of ownership. See the notice to domestic occupants of rights throughout a foreclosure.
  
  Additional Resources for Foreclosure Help
  
  Legal Services of New Jersey can provide resources and legal help for qualified litigants. The NJ Dept.