In Union County, sheriff's foreclosure sales are held on a schedule that changed in 2026. The Sheriff's Office says that beginning May 6, 2026 sales are held every other Wednesday at 2:00 pm at the Warinanco Ice Skating Center in Roselle, with check-in at 1:00 pm. Before a house reaches that point, the lender must go through the New Jersey court process.
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Union County owners include landlords with two-families in Elizabeth and Plainfield and homeowners in Union Township and Linden. Kaizen's county notes list aging urban housing, river and creek flooding and tenant-occupied sales among local issues. This guide walks through the state steps, the county's sale and adjournment rules, mediation, and a cash as-is option. It is general information, not legal advice.
The notice from the lender states the reason, the amount to cure, your right to sell or transfer title, and mediation information. The court says you have 30 days from receipt to cure or request mediation. For a two-family, note whether the notice mentions all borrowers on the loan.
The court's packet requires the home to be your primary residence and a one-to-four family dwelling, with all borrowers joining and no bankruptcy. An owner-occupant of an Elizabeth two-family may qualify, while a landlord who lives elsewhere does not. A free counselor through the Housing & Mortgage Finance Agency at 609-278-7508 is required.
After the notice period, the lender can file its complaint. The court says the defendant has 35 days to answer. Without an answer the case is uncontested and stays with the Office of Foreclosure. If you do answer, a judge can decide disputed points. A foreclosure attorney can advise on both paths.
Union County says a defendant in a foreclosure matter is entitled to two 28-day adjournments, at $28.00 each. The court page describes stays that each side can request after judgment. Ask your attorney how the county rule and the court's stays work together for your file.
Properties are advertised on the Sheriff's webpage four Mondays before the sale and in a local newspaper. The successful bidder pays 20% immediately, with no more than $500 in cash, and the balance within 30 days. Call 908-527-4478 or 908-527-4479 to learn whether a sale will be held.
Kaizen's notes list tenant-occupied sales and aging Elizabeth and Plainfield housing as common issues. Gather leases, rent records and repair invoices. A private buyer, and a bidder at auction, will weigh occupancy and condition. An attorney can explain your duties to tenants during the process.
| Stage | Typical time |
|---|---|
| Notice of intent: cure or request mediation | 30 days from receipt |
| Answer to the complaint | 35 days |
| Union County defendant adjournments | Two, each for 28 days |
| Sale advertised on the Sheriff's webpage | Four Mondays before the sale |
| Balance due from successful bidder | Within 30 days |
| Kaizen cash offer after you send details | Within 24 hours |
1 Park Dr, Roselle, NJ 07203 (sale location)
908-527-4478
Runs foreclosure sales every other Wednesday at the Warinanco Ice Skating Center. Call 908-527-4478 or 908-527-4479 to check whether a sale is going forward.
Official page25 Market Street, Trenton, NJ 08625 (mail: P.O. Box 971, Trenton, NJ 08625-0971)
609-421-6100
Handles uncontested cases and the mediation filing. Statewide line.
Official page609-278-7508
The court's mediation packet says to retain a trained foreclosure prevention and default mitigation counselor through this line. The assistance is free.
Official pageA Union County owner can pursue mediation if eligible, negotiate with the lender, list the home, or sell it for cash. A listing may work for a suburban house in good condition if the owner starts early. An Elizabeth or Plainfield multifamily with open repairs can be harder to market, and sale dates keep the owner on a short leash. Two adjournments can buy time, but they do not change the debt.
Kaizen can make an as-is cash offer within 24 hours of getting the details, with no repairs and no agent commission. We close in 14 to 30 days or on a date that suits you. Whether a closing can beat the sale date depends on the payoff and the court's calendar, so work the numbers with your attorney. Call 267-329-0084 to start.
The Sheriff's Office says that beginning May 6, 2026 foreclosure sales are held every other Wednesday at 2:00 pm, instead of every Wednesday. Check-in is at 1:00 pm.
The successful bidder must pay 20% of the purchase price immediately in cash or certified check, and no more than $500.00 in U.S. currency is allowed. The balance is due within 30 days.
The county says a defendant is entitled to two 28-day adjournments at $28.00 each. Ask your attorney how that works with the stays the court allows.
Union County says in most cases the former owner can redeem within ten days of the sale, and the court page also describes a 10-day period. Redemption generally means paying what is owed, so plan with an attorney.
Kaizen makes as-is cash offers with no repairs and no agent commission, and the offer reflects condition and occupancy. Whether it can close before the sale depends on the payoff and the calendar. Involve your attorney in the numbers.
General information, not legal or tax advice. Rules change; confirm details with the office or a professional.
No obligation. No fees. Just a fair offer from a local buyer.