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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
• Data Reports for Sale
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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 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 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 treatments.
  
  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., complaints, responses and ask for default) in foreclosure cases. The team performs basic foreclosure case management functions. When a case is objected to, 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 information 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 list below types could be required in foreclosure cases. See foreclosure mediation (listed below) for mediation kinds. Self-represented litigants can access our Self-Help page for kinds to file.
  
  Notice-- Foreclosure Filings - Foreclosure CIS - Revised County/Municipal Code Number Table
  
  Filing Fee Schedule
  
  Checks or money orders need to be made payable to Treasurer - State of New Jersey. Attorneys may utilize their Judiciary Collateral Account to pay any costs. Cash is declined.
  
  Fee Waiver Request:
  
  Complete the Filing Fee Waiver Request Form to obtain a cost exemption. You need to meet monetary requirements for eligibility. This form ought to accompany your document( s). The form and the files ought to be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will examine the fee waiver request. Once the judge figures out eligibility, your documents will be forwarded to the Superior Court Clerk's Office for filing. If the judge rejects the cost waiver request, you will be informed to send the cost before the files can be submitted.
  
  Copy Requests:
  
  For info on getting copies of files or documents call Customer Service at 609-421-6100. Requests for records must be in composing. Describe Copies of Court Records for more details on sending a request.
  
  Foreclosure Mediations & Mediation Services
  
  Free foreclosure mediation is readily available to try to save your home. Mediation is a process where a neutral third-party hears your case. The mediator does not make a decision on the case but guides both parties to an acceptable result on their terms. Lenders can still pursue foreclosure actions during the mediation process. It is important to begin requesting mediation as soon as possible following a notification of foreclosure.
  
  The initial step in the process is to services. Attorneys or self-represented litigants can complete the filing for mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B must be met. The request also requires the foreclosure mediation list. Use the foreclosure mediation financial worksheet to reveal monetary eligibility.
  
  If a constable's sale is set up, there are 2 statutory stays that can be asked for.
  
  Be conscious of frauds. Companies that guarantee to assist you get a loan modification, or notices to save your home from foreclosure, are popping up all over NJ. You need to secure yourself and your home from rip-off companies that have no regard for you and your home.
  
  You need to thoroughly inspect the company's credentials, credibility, and experience. Keep an eye out for indication of a rip-off. Companies may wrongly claim to be associated with a not-for-profit or government entity, or endorsed by government officials. You should preserve individual contact with your lender and mortgage servicer. Your mortgage loan provider can assist you find real alternatives to prevent foreclosure. You ought to use the totally free HUD/NJHMFA-certified housing therapist. More details including pointers to avoid foreclosure scams are outlined 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 facing foreclosure may be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate domestic renters have rights to remain on the residential or commercial property regardless of a foreclosure.
  
  Frequently, because lending institutions don't understand occupants' names, the foreclosure grievance will name "John Doe, Tenants No. 1 to 10." If a lending institution is unaware that the residential or commercial property is rented, a renter may initially be informed about the foreclosure when the lending institution has a writ of ownership. See the notification to domestic renters of rights during a foreclosure.
  
  Additional Resources for Foreclosure Help
  
  Legal Services of New Jersey can provide resources and legal assistance for certified litigants. The NJ Dept.