Warren County Foreclosure Resources

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.

The Warren County Sheriff conducts the court-ordered sale as a public auction, with Belvidere as the county seat where court-supervised foreclosure matters are heard.

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.

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.

Legal Services of Northwest Jersey and LSNJ provide free help to qualifying residents. Start with a HUD-approved housing counselor immediately.

Warren County forms New Jersey's rural western edge, running along the Delaware River with its largest population centers in Phillipsburg and Washington Township and low-density housing and farmland across the remaining townships. Its housing is predominantly detached and owner-occupied, which means most Warren County homeowners qualify for the state's mandatory foreclosure mediation — one of the two protections that matter most in a case here. The other is the right to cure, which runs all the way up to the date of the foreclosure judgment rather than expiring earlier. Both sit inside a court-supervised process at the Superior Court of New Jersey, Chancery Division, so the practical pace of a case depends on the filing, the docket and how quickly the homeowner engages, not on a fixed statutory clock.