Bergen County Foreclosure Resources
Complete guide to the foreclosure process in Bergen County, New Jersey. Courthouse addresses, filing procedures, timelines, mediation options, and local legal aid — everything you need to defend your home.
Response within 24 hours
Foreclosure Type
Judicial
Avg. Timeline
12–24 months (judicial schedule)
Mediation
Available
Population
0.9 million
Bergen County Foreclosure Timeline
New Jersey is a judicial foreclosure state. Every foreclosure must go through the Circuit Court of Bergen County, giving homeowners significant procedural rights and time to mount a defense.
New Jersey's Fair Foreclosure Act requires a notice of intent to foreclose at least 30 days before filing the complaint. This early notice is your first chance to cure the default or enter loss mitigation.
The lender files with the Superior Court. Owner-occupied properties qualify for mandatory court foreclosure mediation, which can bring both parties to a settlement. You also have the right to cure up to the date of the foreclosure judgment.
After judgment, the Sheriff's sale is held. You have a 10-day right to object to the sale (a form of post-sale redemption review). Any deficiency must be sought within 3 months and is limited to fair market value.
Courthouse & County Offices
Bergen County Justice Center (Superior Court)
10 Main St, Hackensack, NJ 07601
(201) 646-2000
Mon–Fri 8:30AM–4:30PM
Bergen County Courthouse (Historic)
10 Main St, Hackensack, NJ 07601
(201) 646-2000
Mon–Fri 8:30AM–4:30PM
Clerk of Court
Bergen County Superior Court — Civil Division
Processes foreclosure complaints, mediation referrals, and sheriff's-sale-related filings.
County Recorder
Bergen County Register & Recorder
Sheriff / Sale Info
Bergen County Sheriff's Office — Civil
3 Bergen County Plaza, Hackensack, NJ 07601
(201) 336-3500
The Bergen County Sheriff conducts the court-ordered foreclosure sale. After the sale, possession matters are handled through court process.
Foreclosure Mediation in Bergen County
New Jersey's Foreclosure Mediation Program is mandatory for owner-occupied residential properties and is administered by the Superior Court. The program's goal is to reach a loss mitigation agreement without losing the home. Owner-occupants in Bergen County should affirmatively engage with mediation when the court schedules it.
Filing Requirements
- •Notice of intent to foreclose at least 30 days before filing
- •Foreclosure complaint with lis pendens
- •Right to cure up to the date of the foreclosure judgment
- •Mandatory mediation for owner-occupied properties
- •Sheriff's sale after judgment with published notice
- •Deficiency motion within 3 months; fair-value limitation
Key Statutes
New Jersey Statutes § 2A:50-53
N.J. Stat. Ann. § 2A:50-53
Governs the notice of intent to foreclose under the Fair Foreclosure Act.
New Jersey Fair Foreclosure Act
N.J. Stat. Ann. §§ 2A:50-1 to 2A:50-68
The comprehensive framework for New Jersey judicial foreclosure, including cure rights and mediation.
Right of Redemption
New Jersey gives you a right to cure the default up to the date of the foreclosure judgment, and a 10-day right to object to the sheriff's sale (a limited post-sale redemption review). Engaging loss mitigation and, for owner-occupants, court mediation is the strongest path to keep the home.
Deficiency Judgments
A New Jersey lender may pursue a deficiency, but any motion must be made within 3 months of the sheriff's sale and the amount is limited to debt minus fair market value as determined by the court. A fair-value defense can substantially reduce what you owe.
Legal Aid
Frequently Asked Questions
How does New Jersey's Fair Foreclosure Act protect me?+
It requires a 30-day notice of intent to foreclose, lets you cure up to the date of judgment, mandates consideration of loss mitigation, offers mandatory mediation for owner-occupants, and limits deficiency to fair market value.
Where is the Bergen County foreclosure sale held?+
The Bergen County Sheriff conducts the court-ordered sale as a public auction, typically at the Justice Center / courthouse in Hackensack.
Can I get mediation in Bergen County?+
Yes — New Jersey's Foreclosure Mediation Program is mandatory for owner-occupied properties and administered by the Superior Court. It can bring both parties to a settlement.
Can I keep my house after the sheriff's sale?+
New Jersey gives a 10-day right to object to the sale, which functions as a limited post-sale review. Acting before the sale — curing or negotiating — is the stronger path.
Where can I get free help in Bergen County?+
LSNJ and local community action housing programs provide free help to qualifying residents. Start with a HUD-approved housing counselor immediately.
More Resources for Bergen County Homeowners
New Jersey Foreclosure Laws
Complete state-level guide to foreclosure laws, timelines, and homeowner protections.
Foreclosure Defense
Comprehensive defense strategies to stop or delay foreclosure in any U.S. county.
Free Case Review
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