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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
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• 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 a system in the Superior Court Clerk's Office.
  
  The workplace manages seven types of foreclosures:
  
  1. Residential mortgage
• Multi-family/commercial mortgage
• In personam tax certificate
• Municipal in rem 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.
  
  The Foreclosure Processing Services group dockets pleadings (e.g., grievances, responses and requests for default) in foreclosure cases. The team carries out basic foreclosure case management functions. When a case is contested, the team transfers to it General Equity Judges in the vicinages for disposition.
  
  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) need to be directed to:
  
  Regular Mail
  
  Messenger Service
  
  Foreclosure Forms
  
  The following types could be needed 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 need to be made payable to Treasurer - State of New Jersey. Attorneys might use their Judiciary Collateral Account to pay any fees. Cash is not accepted.
  
  Fee Waiver Request:
  
  Complete the Filing Fee Waiver Request Form to request a fee exemption. You should meet monetary requirements for eligibility. This type ought to accompany your file( s). The form and the documents need to be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will examine the charge waiver request. Once the judge determines eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge denies the cost waiver request, you will be notified to submit the fee before the files can be submitted.
  
  Copy Requests:
  
  For info on getting copies of files or files call Client service at 609-421-6100. Ask for records must be in writing. Refer to Copies of Court Records for more information on sending a demand.
  
  Foreclosure Mediations & Mediation Services
  
  Free foreclosure mediation is offered to attempt to save 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 acceptable result on their terms. Lenders can still pursue foreclosure actions during the mediation process. It is imperative to begin asking for mediation as soon as possible following a notice of foreclosure.
  
  The primary step at the same time is to submit for mediation services. Attorneys or self-represented litigants can complete the declare mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B should be met. The demand likewise needs the foreclosure mediation checklist. Use the foreclosure mediation financial worksheet to show financial eligibility.
  
  If a constable's sale is arranged, there are 2 statutory stays that can be requested.
  
  Understand scams. Companies that assure to help you get a loan modification, or notices to save your home from foreclosure, are turning up all over NJ. You need to protect yourself and your home from rip-off business that have no regard for you and your home.
  
  You need to thoroughly check the business's qualifications, track record, and experience. Watch out for indication of a rip-off. Companies may incorrectly declare to be affiliated with a nonprofit or federal government entity, or endorsed by government authorities. You ought to keep with your lender and mortgage servicer. Your mortgage lender can assist you find genuine choices to prevent foreclosure. You need to use the free HUD/NJHMFA-certified housing therapist. More info consisting of pointers to prevent foreclosure rip-offs are outlined in the 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 facing foreclosure may be safeguarded by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential occupants have rights to stay on the residential or commercial property notwithstanding a foreclosure.
  
  Frequently, since lending institutions do not know occupants' names, the foreclosure problem will name "John Doe, Tenants No. 1 to 10." If a lending institution is unaware that the residential or commercial property is rented, a tenant may initially be outlined the foreclosure when the lender has a writ of belongings. See the notification to residential renters 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.