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.
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 ask for default) in foreclosure cases. The group performs basic foreclosure case management functions. When a case is objected to, 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 kinds might be required in foreclosure cases. See foreclosure mediation (below) for mediation forms. 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 use their Judiciary Collateral Account to pay any fees. Cash is declined.
Fee Waiver Request:
Complete the Filing Fee Waiver Request Form to look for a fee exemption. You must meet financial requirements for eligibility. This form should accompany your file( s). The form and the files must be submitted to the General Equity Judge in the county where residential or commercial property lies. The judge will examine the fee 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 denies the cost waiver request, you will be notified to send the charge before the files can be filed.
Copy Requests:
For information on obtaining copies of files or documents call Customer support at 609-421-6100. Requests for records should remain in composing. Refer to Copies of Court Records for more information on sending a demand.
Foreclosure Mediations & Mediation Services
Free foreclosure mediation is readily available to attempt to save your home. Mediation is a procedure where a neutral third-party hears your case. The mediator does not make a choice on the case however guides both parties to an acceptable result on their terms. Lenders can still pursue foreclosure actions throughout the mediation process. It is necessary to start requesting mediation as soon as possible following a notice of foreclosure.
The primary step while doing so is to submit for mediation services. Attorneys or self-represented litigants can finish the declare mediation kind. Eligibility requirements pursuant to Rule 4:64 -1 B need to be met. The demand likewise needs the foreclosure mediation checklist. Use the foreclosure mediation financial worksheet to reveal monetary eligibility.
If a sheriff's sale is scheduled, there are 2 statutory stays that can be requested.
Know rip-offs. Companies that promise to assist you get a loan adjustment, or notices to save your home from foreclosure, are appearing all over NJ. You require to safeguard yourself and your home from fraud companies that have no regard for you and your home.
You need to thoroughly inspect the business's qualifications, reputation, and experience. Look out for indication of a rip-off. Companies might incorrectly declare to be associated with a not-for-profit or government entity, or backed by government officials. You should keep personal contact with your loan provider and mortgage servicer. Your mortgage loan provider can help you discover genuine options to prevent foreclosure. You should utilize the complimentary HUD/NJHMFA-certified housing counselor. More details consisting of suggestions to avoid foreclosure frauds are described in the general 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 facing foreclosure may be safeguarded by NJ's Anti-Eviction statute, N.J.S.A. 2A:18 -61.1 to 61.12. Legitimate domestic tenants have rights to remain on the residential or commercial property regardless of a foreclosure.
Frequently, since lending institutions don't know tenants' names, the foreclosure complaint will call "John Doe, Tenants No. 1 to 10." If a loan provider is unaware that the residential or commercial property is rented, an occupant might first be informed about the foreclosure when the loan provider has a writ of possession. See the notification to residential tenants of rights during a foreclosure.
Additional Resources for Foreclosure Help
Legal Services of New Jersey can supply resources and legal support for certified litigants. The NJ Dept.
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