A foreclosure on a Jersey City property starts in Superior Court, not at the sheriff's office. The lender serves a Notice of Intent, files a complaint, and the homeowner generally has 35 days to answer. Only after final judgment does the sheriff advertise a sale, and New Jersey Courts says that advertising runs at least four weeks.
No obligation. We respond within 24 hours.
Kaizen Home Buyers buys properties for cash as-is, with no repairs and no agent commission. We make an offer within 24 hours, and closing takes 14 to 30 days or follows your timeline. Many Jersey City properties are multi-unit, so we ask about tenants and registration early. We say so plainly when the numbers will not clear the payoff.
Hudson County posts individual sheriff's sale and foreclosure listings on its website, with the property address, scheduled sale date and approximate judgment amount. The county's listings place sales at the Hudson County Administration Building, 595 Newark Avenue, 4th Floor, Room 400, at 2 p.m., and a foreclosure line at (201) 795-6300, extension 7235. Confirm date and room with the sheriff.
New Jersey Courts says free foreclosure mediation is available. The instructions describe owner-occupants of one to four family homes with the property as a primary residence. A Jersey City two- or three-family where you live may qualify. Court instructions say mediation does not stop the case on its own. A trained housing counselor can help with the request and the financial worksheet.
The Courts' landlord-tenant guidance says a tenancy is not generally affected by foreclosure and the sheriff's sale buyer takes the building subject to tenants' rights. After the sale, the lender must seek a writ of possession for the sheriff to remove occupants. The foreclosure FAQ also lists a Motion for Surplus Funds, so an attorney can tell you whether money may be left over. If the property has a rent controlled tenant, the Office of Landlord/Tenant Relations at (201) 547-4821 is the city contact for questions.
Send what you have, including the unit count. We make an as-is cash offer and let you compare it with the payoff, the cost of a listing and your sale date. If the number does not clear the loan, we tell you instead of keeping you waiting. If you have equity, a quick sale may protect it better than waiting for a sheriff's sale, and your payoff figure will show whether you do.
We cannot stop a foreclosure, negotiate with your servicer or give legal advice. A signed contract does not cancel a judgment or a sheriff's sale. Follow every notice and talk to a housing counselor or foreclosure attorney. Call 267-329-0084 to price a sale.
The Courts' self-help pages say 35 days, and extensions may be requested. The clock starts when you are served, so keep the proof.
The Notice of Intent must mention the right to sell or transfer title. Whether it works depends on the payoff and the date. Ask your attorney.
The Courts FAQ says a final judgment bars the right to redeem after default. Before judgment, talk to the servicer and a counselor about options. Any request to reinstate should be made through the servicer and in writing.
Call the plaintiff's attorney to confirm it, and tell us right away so we can see if the timing is workable.
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.