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 handles 7 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 . 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, answers and ask 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 contact us at 609-421-6100 or SCCO.Mailbox@njcourts.gov for information on the following:
The following types might be required in foreclosure cases. See foreclosure mediation (listed below) for mediation kinds. Self-represented litigants can access our Self-Help page for forms to file.
Checks or cash orders need to be made payable to Treasurer - State of New Jersey. Attorneys may utilize their Judiciary Collateral Account to pay any fees. Cash is declined.
Fee Waiver Request:
Submit the Filing Fee Waiver Request Form to look for a fee exemption. You must satisfy financial requirements for eligibility. This kind should accompany your document( s). The form and the documents ought to be sent to the General Equity Judge in the county where residential or commercial property is situated. The judge will examine the fee waiver request. 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 demand, you will be alerted to submit the fee before the files can be submitted.
Copy Requests:
For information on acquiring copies of files or files call Customer care at 609-421-6100. Requests for records should remain in writing. Refer to 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 conciliator does not decide on the case but guides both celebrations to an acceptable result on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is vital to begin asking for mediation as soon as possible following a notification of foreclosure.
The initial step in the procedure is to declare mediation services. Attorneys or self-represented litigants can finish the declare mediation form. Eligibility requirements pursuant to Rule 4:64 -1 B should be fulfilled. The demand also requires the foreclosure mediation checklist. Use the foreclosure mediation monetary worksheet to reveal financial eligibility.
If a sheriff's sale is set up, there are 2 statutory stays that can be requested.
Understand rip-offs. Companies that promise to assist you get a loan modification, or notices to save your home from foreclosure, are turning up all over NJ. You need to safeguard yourself and your home from scam companies that have no regard for you and your home.
You need to thoroughly inspect the business's credentials, credibility, and experience. Keep an eye out for indication of a rip-off. Companies might falsely claim to be affiliated with a nonprofit or federal government entity, or endorsed by government authorities. You should keep personal contact with your loan provider and mortgage servicer. Your mortgage lender can help you find genuine options to avoid foreclosure. You should use the complimentary HUD/NJHMFA-certified housing therapist. More details consisting of suggestions to prevent foreclosure frauds are described 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 may be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate property tenants have rights to remain on the residential or commercial property regardless of a foreclosure.
Frequently, due to the fact that lenders do not know occupants' names, the foreclosure problem will call "John Doe, Tenants No. 1 to 10." If a lending institution is uninformed that the residential or commercial property is leased, a renter might first be outlined the foreclosure when the lending institution has a writ of ownership. 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.
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