If you're representing yourself in a foreclosure case, visit our self-help area.
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 workplace manages 7 kinds 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 filed 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 requests for default) in foreclosure cases. The group carries out basic foreclosure case management functions. When a case is contested, the group 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:
All correspondence (filings) should be directed to:
Regular Mail
Messenger Service
Foreclosure Forms
The list below types might be needed in foreclosure cases. See foreclosure mediation (below) for mediation types. Self-represented litigants can access our Self-Help page for kinds to file.
Checks or money orders must be made payable to Treasurer - State of New Jersey. Attorneys may utilize 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 satisfy monetary requirements for eligibility. This form should accompany your file( s). The type and the files need to be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will review the cost waiver request. 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 charge waiver request, you will be alerted to send the fee before the documents can be submitted.
Copy Requests:
For info on acquiring copies of files or documents call Customer care at 609-421-6100. Ask for records must be in composing. Refer to Copies of Court Records for more details on sending a demand.
Free foreclosure mediation is offered to try 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 celebrations to an acceptable result on their terms. Lenders can still pursue foreclosure actions during the mediation procedure. It is crucial to start asking for mediation as quickly as possible following a notification of foreclosure.
The first action while doing so 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 need to be met. The request likewise needs the foreclosure mediation checklist. Use the foreclosure mediation financial worksheet to reveal monetary eligibility.
If a sheriff's sale is set up, there are 2 statutory stays that can be asked for.
Be mindful of rip-offs. Companies that assure to assist you get a loan modification, or notifications to save your home from foreclosure, are popping up all over NJ. You require to protect yourself and your home from fraud business that have no regard for you and your home.
You require to carefully check the business's credentials, credibility, and experience. Look out for indication of a scam. Companies may incorrectly declare to be affiliated with a nonprofit or government entity, or backed by government authorities. You ought to preserve individual contact with your loan provider and mortgage servicer. Your mortgage lending institution can help you find genuine alternatives to prevent foreclosure. You need to use the free HUD/NJHMFA-certified housing therapist. More info including tips to prevent foreclosure rip-offs are described in the general 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 might be secured by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate domestic occupants have rights to remain on the residential or commercial property notwithstanding a foreclosure. realestatetimaru.co.nz Frequently, because loan providers do not know tenants' names, the foreclosure complaint will name "John Doe, Tenants No. 1 to 10." If a loan provider is uninformed that the residential or commercial property is leased, an occupant might initially be outlined the foreclosure when the lending institution has a writ of belongings. See the notice to property tenants of rights during a foreclosure. bloglines.com Additional Resources for Foreclosure Help
Legal Services of New Jersey can offer resources and legal support for qualified litigants. The NJ Dept.
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