Facing Foreclosure · Camden, NJ

Facing Foreclosure on a Camden House

New Jersey foreclosure runs through the courts, not a quick trustee sale. A lender sends a Notice of Intent to Foreclose, then files a complaint, and a homeowner generally has 35 days to answer. After final judgment, the county sheriff must advertise the sale for at least four weeks. Each stage has a document with a date on it, and that document tells you how much time is left.

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Modest New Jersey split-level during a mortgage foreclosure

Kaizen Home Buyers buys Camden houses for cash, as-is, with no repairs and no agent commission. You hear an offer within 24 hours, and closing can happen in 14 to 30 days or on your date. A sale is only one option, and it does not replace answering a complaint or talking to a housing counselor.

What’s different in Camden

Camden County sheriff's sales

The Camden County Sheriff's page says sales are held on the first and third Wednesday of each month, excluding holidays, at noon in Camden City Council Chambers, 520 Market Street. The Sales Division is at (856) 225-5531 or (856) 225-5551. The sheriff may grant up to two adjournments at the defendant's request, up to four weeks each, at $28 each, if requested in writing with a notarized signature or an attorney's certified letter. Bids open at $100 and rise in $1,000 steps, and cash payments are limited to $500, so most bidders pay by certified or treasurer's check.

Mediation and the right to sell

The New Jersey Courts foreclosure page says free foreclosure mediation is available to try to save a home. The Notice of Intent must include a statement about the right to sell or transfer title and information about the mediation program. Court instructions say mediation does not stop the foreclosure by itself, so keep answering deadlines. A HUD-approved housing counselor helps with the application at no cost.

After judgment

The Courts FAQ says a final judgment bars the defendant's right to redeem the mortgage after default. After the sheriff's sale, the lender must seek a writ of possession from the court, which instructs the sheriff to remove occupants. If your Camden house has tenants, the same Courts guidance says a sheriff's sale buyer takes the building subject to their rights.

Checklist before you sell

  • Notice of Intent to Foreclose and the servicer's contact
  • Summons and complaint, with the date you were served
  • Docket number and the plaintiff's attorney's contact
  • Final judgment or writ of execution, if issued
  • Sheriff's sale date and any adjournment paperwork
  • Mortgage statement showing the payoff request
  • Names of any tenants or other occupants

How Kaizen can help

Send us whatever court papers you have. We make an as-is cash offer and tell you honestly if the number covers the payoff and costs. A title company then orders the official payoff, and your attorney checks it against the case calendar. If the sale date is close, tell us up front so we can see whether the timing works at all.

We do not stop foreclosures, negotiate with servicers or give legal advice. A signed contract does not by itself cancel a complaint, a judgment or a sale date. Keep following every notice until the plaintiff's attorney or the court confirms a change in writing. To talk through your situation, call 267-329-0084. If you are still hoping to keep the house, say so. We would rather give you an honest figure now than have you decide with partial information.

Facing Foreclosure in Camden: questions

How long do I have to answer a foreclosure complaint in New Jersey?

The Courts self-help pages say defendants have 35 days to file an answer, and extensions may be requested. Missing it can hurt your options, so see an attorney quickly.

Can I sell my Camden house during foreclosure?

The Notice of Intent must mention the right to sell or transfer title. A sale needs a buyer, a closing and a payoff that fits the lender's figure. Ask your attorney to confirm the timeline.

What if the sheriff's sale date is close?

Ask the plaintiff's attorney about the status, and see Camden County's adjournment rules. Do not treat an adjournment as automatic.

Where do I find a housing counselor?

New Jersey Courts says a HUD-certified counselor can help with the mediation request. The Courts instruction sheet lists 609-278-7508 for referrals, and the NJHMFA website lists others.

Keep reading

We buy houses in CamdenFacing Foreclosure: full guideCamden County, NJ Probate: Selling an Inherited House Step by StepCamden County, NJ Foreclosure: Wednesday Sheriff Sales and Your OptionsSelling a Vacant House in Camden, NJSelling a Camden House With Back TaxesSelling a Camden Rental Property as a Tired LandlordFacing Foreclosure on a Philadelphia Home: Your OptionsFacing Foreclosure in Upper Darby: Your OptionsFacing Foreclosure in Chester, PA: Your OptionsFacing Foreclosure in Norristown: Your OptionsFacing Foreclosure in Abington Township: Your OptionsFacing Foreclosure in Plymouth Meeting: Your Options

Sources

General information, not legal or tax advice. Rules change; confirm details with the office or a professional.

  1. Kaizen process steps (Kaizen Home Buyers, 2026-10-23)
  2. Foreclosure FAQs (New Jersey Courts, 2026-10)
  3. Foreclosure Self-Help (New Jersey Courts, 2026-10)
  4. How to Apply for Foreclosure Mediation (New Jersey Courts, 2026-10)
  5. Landlord-Tenant Eviction Process (New Jersey Courts, 2026-10)
  6. Foreclosure Sales Information (Camden County, New Jersey Sheriff's Office, 2026-10)

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