1 Foreclosure in Brand-new Jersey

Hilton Kappel edited this page 2025-06-14 22:45:01 -06:00

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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 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 manages 7 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 team dockets pleadings (e.g., complaints, answers and ask for default) in foreclosure cases. The group carries out basic foreclosure case management functions. When a case is objected to, 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 information 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 could be required in foreclosure cases. See foreclosure mediation (listed below) for mediation types. 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 money orders must be made payable to Treasurer - State of New Jersey. Attorneys may use their Judiciary Collateral Account to pay any charges. 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 type needs to accompany your document( s). The form and the files need to be submitted to the General Equity Judge in the county where residential or commercial property is located. The judge will evaluate the charge waiver request. Once the judge identifies 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 send the charge before the documents can be submitted.
  
  Copy Requests:
  
  For information on getting copies of files or files call Customer support at 609-421-6100. Requests for records need to remain in writing. Describe Copies of Court Records for more information on sending a demand.
  
  Foreclosure Mediations & Mediation Services
  
  Free foreclosure mediation is readily available to try to conserve your home. Mediation is a procedure where a neutral third-party hears your case. The conciliator does not make a choice on the case but guides both celebrations to an acceptable outcome on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is important to begin requesting mediation as quickly as possible following a notification of foreclosure.
  
  The very first action in the procedure is to declare mediation services. Attorneys or self-represented litigants can complete the declare mediation form. Eligibility requirements pursuant to Rule 4:64 -1 B should be satisfied. The demand also requires the foreclosure mediation checklist. Use the foreclosure mediation monetary worksheet to show financial eligibility.
  
  If a constable's sale is arranged, there are 2 statutory stays that can be requested.
  
  Be aware of scams. Companies that guarantee to assist you get a loan adjustment, or notices to save your home from foreclosure, are appearing all over NJ. You require to safeguard yourself and your home from scam companies that have no regard for you and your home.
  
  You require to thoroughly check the company's credentials, credibility, and experience. Look out for warning signs of a fraud. Companies may falsely declare to be associated with a not-for-profit or federal government entity, or backed by government authorities. You need to keep individual contact with your lender and mortgage servicer. Your mortgage lender can help you find real options to prevent foreclosure. You need to utilize the free HUD/NJHMFA-certified housing therapist. More info including suggestions to avoid foreclosure frauds are detailed 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 facing foreclosure might 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 notwithstanding a foreclosure.
  
  Frequently, because lenders do not know tenants' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a loan provider is unaware that the residential or commercial property is rented, an occupant may initially be told about the foreclosure when the lending institution has a writ of belongings. See the notice to domestic renters of rights during a foreclosure.
  
  Additional Resources for Foreclosure Help
  
  Legal Services of New Jersey can provide resources and legal help for certified litigants. The NJ Dept.
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