Facing Foreclosure · Pennsauken, NJ

Facing Foreclosure in Pennsauken, NJ: Your Options

Missing mortgage payments on a Pennsauken house is stressful, and the first letters from the lender are easy to misread. New Jersey foreclosures go through the courts, which means you have deadlines and rights that are spelled out. Learn the dates first, then compare your choices.

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Modest New Jersey split-level during a mortgage foreclosure

Kaizen Home Buyers can give you a cash offer within 24 hours for the house as it is, with no repairs and no agent commission on our side. Closing can be in 14 to 30 days or on your date. We are not a lender or a law firm, so talk to a housing counselor or foreclosure attorney about keeping the home too.

What’s different in Pennsauken

The court process starts with a notice

New Jersey Courts says foreclosure is judicial. The lender first issues a Notice of Intent to Foreclose and must give at least 30 days from receipt for you to pay off the debt or make other arrangements. The complaint is then filed with the Office of Foreclosure. Once you are served, you have 35 days to file an answer using the court's packet. The Office of Foreclosure can be reached at 609-421-6100. Keep every envelope and write down the day each one arrived.

Camden County sheriff sales run twice a month

Camden County says sheriff's sales are held on the first and third Wednesday of each month, excluding holidays, at noon in the Camden City Council Chambers at 520 Market Street, City Hall. The Sheriff's Sales Division can be reached at 856-225-5531 or 856-225-5551. The county lists sales online. Ask the foreclosing attorney, not a website, which date applies to your case.

Selling before the sale needs a payoff number

A sale only helps if it covers the loan and recorded claims. Pennsauken's housing resale inspection must be passed or handled by a buyer's affidavit before settlement, and open permits must be closed. Those steps take days, so start them early. Ask your servicer for a written payoff and ask the court's mediation program whether you qualify.

Checklist before you sell

  • Every letter from the lender, especially the Notice of Intent to Foreclose
  • The foreclosure complaint and the date you were served
  • The court's answer packet, filled in, if you plan to contest or respond
  • Written payoff figure from your loan servicer
  • Recent property tax bill, insurance papers and deed
  • Income records, to complete the mediation financial worksheet
  • Dates and times of any scheduled sheriff sale

How Kaizen can help

Send us the Pennsauken address and the dates on your notices. We look at the house as it is and send a cash offer within 24 hours so you can check it against your payoff. Do not wait for the sale date to call.

If a sale works on your calendar, we can close in 14 to 30 days or on a date you choose. We cannot promise it will beat the sheriff sale date, so tell us the date at the start. Declining our offer costs you nothing, and a counselor's plan to keep the house stays open. Call 267-329-0084.

Facing Foreclosure in Pennsauken: questions

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

The court's page says 35 days after you receive the complaint. Use the packet called How to Answer a Foreclosure Complaint. An attorney can help you decide what to file.

Is there a mediation program?

New Jersey Courts lists a Foreclosure Mediation Program as active for eligible residential cases under Rule 4:64-1B. You apply with a form, a checklist and a financial worksheet. Ask the Office of Foreclosure at 609-421-6100 how to start.

Can I sell my Pennsauken house before the sheriff sale?

Often yes, if you still own it and the sale closes in time to pay off the loan and liens. Camden County runs sales on the first and third Wednesday of each month, and the sheriff may allow two adjournments of up to four weeks each, with written, notarized requests. Ask your attorney whether that applies.

Does the township inspection slow a quick sale?

It can. Pennsauken needs a Certificate of Inspection before settlement, and a failed house needs a buyer's affidavit for a temporary one. Call Housing early and ask for the earliest inspection date.

Keep reading

We buy houses in PennsaukenFacing Foreclosure: full guideCamden County, NJ Probate: Selling an Inherited House Step by StepCamden County, NJ Foreclosure: Wednesday Sheriff Sales and Your OptionsSelling an Inherited House in Pennsauken, NJSelling a Rental House in Pennsauken, NJ, When You Are Done Being a LandlordSelling a Vacant House in Pennsauken, 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. Foreclosure (self-help) (New Jersey Courts, undated page)
  2. Kaizen process steps (Kaizen Home Buyers, 2026-10-23)
  3. Foreclosure Sales Information, Sheriff's Office (Camden County, New Jersey, undated page)
  4. Housing Resale and Fire Certification Information (Pennsauken Township, undated township handout)

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