Facing Foreclosure · Paterson, NJ

Facing Foreclosure on a Paterson House

A Paterson homeowner who falls behind will hear from the servicer first and a court second. Under New Jersey's Fair Foreclosure Act, a lender sends a Notice of Intent that must include information about the foreclosure mediation program and a statement about the right to sell or transfer title. After the complaint is served, the homeowner generally has 35 days to answer.

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Modest New Jersey split-level during a mortgage foreclosure

Kaizen Home Buyers buys houses for cash as-is, with no repairs and no agent commission. We make an offer within 24 hours, and closing runs 14 to 30 days or follows your timeline. Many Paterson homes are attached or two-family, and we ask about tenants and condition early so the number is honest. You can ask for an offer before you decide anything else.

What’s different in Paterson

After judgment: the sheriff's clock

The New Jersey Courts foreclosure page says the county sheriff runs the sale and has 150 days from the writ of execution to auction the property. The FAQ adds that the sheriff must advertise a sale for at least four weeks. Passaic County posts its public and legal notices on its website, according to the county's notices page, so check there for sale notices tied to your case. Each step in the case has a paper trail, and the Notice of Intent must state the amount needed to cure and the reason for foreclosure.

Mediation and what it does not do

Free foreclosure mediation is available through the Courts, and court instructions describe owner-occupants of one to four family homes who live in the property as a primary residence. A trained housing counselor helps file the request. The instructions also say mediation does not itself stop a foreclosure. Keep following the case deadlines while you wait.

Tenants and possession

If a tenant lives in your Paterson two-family, the Courts say a residential tenancy is not generally affected by foreclosure and the sheriff's sale buyer takes the building subject to the tenant's rights. After a sale, the lender must seek a writ of possession for the sheriff to remove occupants. Gather your leases and ledgers now, because a buyer will want them.

Checklist before you sell

  • Notice of Intent to Foreclose
  • Summons, complaint and the date served
  • Docket number and plaintiff's attorney
  • Mortgage payoff request and last statements
  • Leases and rent ledger for any tenants
  • Final judgment, writ of execution or sale notice
  • Property tax and insurance statements

How Kaizen can help

Send what you have, including the court papers and the unit count. We make an as-is cash offer, and you compare it to the payoff. If equity is thin, the title company's official figure will show it, and we will not pretend otherwise. If a sale date is near, say so on the first call.

We cannot stop a foreclosure, deal with your servicer or give legal advice. A contract is not a court order. Keep following every notice until the court or the plaintiff's attorney confirms a change in writing. To price a sale, call 267-329-0084. If the lender's attorney sends a pre-sale letter, send us a copy. It can show the dates a closing must meet.

Facing Foreclosure in Paterson: questions

How long do I have to respond to a foreclosure complaint in Passaic County?

New Jersey Courts says defendants have 35 days to answer, and extensions may be requested. Write down the service date, since the count begins there.

Can I still sell during foreclosure?

The Notice of Intent must mention the right to sell or transfer title. A sale needs a payoff that fits the lender's figure and a closing that beats the sale date.

Does a housing counselor charge?

Court instructions describe the counselor help as free of charge and give 609-278-7508 for referrals. Ask the counselor to help you assemble the financial worksheet.

Where do I check for Passaic County sale notices?

The county posts legal notices on its website. Ask the plaintiff's attorney to confirm your sale date.

Keep reading

We buy houses in PatersonFacing Foreclosure: full guideHow to Sell an Inherited House in Passaic County, NJ (Probate Guide)Foreclosure in Passaic County, NJ: Options Before the Sheriff's SaleSelling a Paterson Rental Property as a Tired LandlordSelling an Inherited House in Paterson, NJSelling a Vacant House in Paterson, NJFacing 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. City service-area content (Kaizen Home Buyers, 2026-06-30)
  3. Foreclosure FAQs (New Jersey Courts, 2026-10)
  4. Foreclosure Self-Help (New Jersey Courts, 2026-10)
  5. How to Apply for Foreclosure Mediation (New Jersey Courts, 2026-10)
  6. Landlord-Tenant Eviction Process (New Jersey Courts, 2026-10)
  7. Current Legal Notices (Passaic County, New Jersey, 2026-03)

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