New Jersey Contract Foreclosure
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FAQ
bystep timeline for uncontested residential foreclosures in New Jersey. Due to a backlog in processing foreclosure cases it can take between 18 24 months to complete a residential foreclosure case in New Jersey.
Preforeclosure Notice You'll Get in New Jersey Before starting the foreclosure, the lender must send you (the borrower) a notice of intention to foreclose that provides at least 30 days to cure the default (get caught up in payments).
New Jersey is a judicial foreclosure state which means that if you default on your mortgage, the lender must go to court in order to repossess your home. (Some states use nonjudicial foreclosures, which do not go through court.)
If you choose to file an answer, you must do so within 35 days from the date that you receive the summons and complaint; and you must include a completed Foreclosure Case Information Statement, a Certification Pursuant to Court Rule -1 and the $175.00 filing fee ($250 for Answers with Counter-Claim, Cross-Claim and/
6-10 months left in the property. If you do not file an answer within 35 days or if your answer is marked non-contesting, then the lender may request default. Possibly as soon as 14 days before lender files their motion for final judgment. 6-10 months left in the property.
