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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 section.
  
  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 office manages seven kinds of foreclosures:
  
  1. Residential mortgage
• Multi-family/commercial mortgage
• In personam tax certificate
• Municipal in rapid eye movement tax certificate
• Condominium lien
• Strict foreclosure
• Fair Foreclosure Act optional treatments.
  
  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 group dockets pleadings (e.g., grievances, answers and demands for default) in foreclosure cases. The team 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 details on the following:
  
  - General Questions and Status Requests
• Complaints
• Answers
• Requests for Default
  
  All correspondence (filings) should be directed to:
  
  Regular Mail
  
  Messenger Service
  
  Foreclosure Forms
  
  The list below forms could be required in foreclosure cases. See foreclosure mediation (below) for mediation types. Self-represented litigants can access our Self-Help page for types to file.
  
  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 charges. Cash is not accepted.
  
  Fee Waiver Request:
  
  Complete the Filing Fee Waiver Request Form to apply for a cost exemption. You need to fulfill monetary requirements for eligibility. This form must accompany your file( s). The type and the documents ought to be submitted to the General Equity Judge in the county where residential or commercial property is located. The judge will review the charge waiver demand. Once the judge figures out eligibility, your files will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the fee waiver request, you will be informed to send the fee before the documents can be submitted.
  
  Copy Requests:
  
  For information on acquiring copies of files or documents call Customer support at 609-421-6100. Requests for records need to remain in composing. Describe Copies of Court Records for more details on submitting a request.
  
  Foreclosure Mediations & Mediation Services
  
  Free foreclosure mediation is offered to attempt to conserve your home. Mediation is a procedure where a neutral third-party hears your case. The arbitrator does not decide on the case but guides both parties to an appropriate outcome on their terms. Lenders can still pursue foreclosure actions during the mediation procedure. It is vital to start asking for mediation as quickly as possible following a notice of foreclosure.
  
  The initial step while doing so 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 demand likewise needs the foreclosure mediation list. Use the foreclosure mediation financial worksheet to reveal financial eligibility.
  
  If a constable's sale is set up, there are 2 statutory stays that can be requested.
  
  Understand scams. Companies that promise to assist you get a loan adjustment, or notices to rescue your home from foreclosure, are turning up all over NJ. You require to secure yourself and your home from rip-off business that have no regard for you and your home.
  
  You require to thoroughly check the business's qualifications, track record, and experience. Watch out for warning indications of a scam. Companies might falsely claim to be affiliated with a not-for-profit or federal government entity, or endorsed by government authorities. You need to preserve personal contact with your loan provider and mortgage servicer. Your mortgage lender can assist you find genuine options to avoid foreclosure. You ought to use the complimentary HUD/NJHMFA-certified housing therapist. More details including ideas to avoid foreclosure rip-offs are detailed 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 occupants in a residential or commercial property dealing with foreclosure might be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate residential tenants have rights to remain on the residential or commercial property regardless of a foreclosure.
  
  Frequently, since lending institutions don't understand renters' names, the foreclosure grievance will call "John Doe, Tenants No. 1 to 10." If a lender is uninformed that the residential or commercial property is rented, a tenant might initially be told about the foreclosure when the loan provider has a writ of ownership. See the notice to domestic renters of rights throughout a foreclosure.
  
  Additional Resources for Foreclosure Help
  
  Legal Services of New Jersey can supply resources and legal support for certified litigants. The NJ Dept.