Facing Foreclosure · Voorhees, NJ

Facing Foreclosure in Voorhees, NJ: Your Options

Behind on the mortgage in Voorhees, with a townhome or a house that needs updates, and a letter from the lender's lawyer on the table? New Jersey's foreclosure process is judicial, with set steps. Learn them, then choose with a clear head.

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Modest New Jersey split-level during a mortgage foreclosure

Kaizen Home Buyers can send a cash offer within 24 hours for the property as it is, with no repairs and no agent commission on our side. Closing can be 14 to 30 days out or on your date. We are not lenders or attorneys. A housing counselor or foreclosure attorney should review every option with you.

What’s different in Voorhees

Start with the court's step list

The Office of Foreclosure and the Superior Court handle the case. The lender's Notice of Intent to Foreclose must give at least 30 days from receipt to pay off or make other arrangements. After the complaint is served, the defendant has 35 days to answer. The Foreclosure Mediation Program is active for eligible residential cases under Rule 4:64-1B, and requests go through an application, checklist and financial worksheet. Email questions to [email protected]. Keep a log of every call, including the date, the name of the person and what they told you, so your attorney can see the whole sequence. Keep a log of every call with the date, the name and what you were told.

Watch Camden County's sale listings

Camden County says its sales listing is available online and that sales happen on the first and third Wednesday of each month at noon. The opening bid is $100, with bids rising by at least $1,000. A winning bidder pays 20 percent immediately and the balance within 30 days. A pending sale is a fixed point on your calendar, so find your date early and track it with your attorney.

Townhome dues and the payoff

City data lists Voorhees as a mix of subdivisions and townhome communities. If you own a townhome, past-due association dues are one more thing the closing must settle. Ask your servicer for a payoff and the association for a statement, then add both to what a sale must cover, along with unpaid property taxes. Ask the title company for a lien search too, because anything recorded against the home has to be paid or cleared from the sale price. If the number works, a sale can protect any equity before the auction.

Checklist before you sell

  • Notice of Intent to Foreclose and every letter after it
  • The complaint, with the date you were served
  • Court answer packet and the mediation checklist
  • A written payoff figure and last mortgage statements
  • Association statement of dues, if a townhome
  • Deed, tax bills and insurance papers
  • Camden County sale date, if listed

How Kaizen can help

Send us the Voorhees address and the dates on your notices. We look at the home as it is and send a cash offer inside 24 hours, so you can set it beside your payoff.

If a sale fits, we can close in 14 to 30 days or on your date. We cannot promise it will beat the sale date. You may decline, and a counselor's plan to stay stays open. Call 267-329-0084 and give us the date first.

Facing Foreclosure in Voorhees: questions

Where is the Camden County foreclosure sale listing?

The county's page links to an online sales listing. The Sheriff's Sales Division phone numbers are 856-225-5531 and 856-225-5551.

How much do I have to pay at the sale if I buy?

The county page says 20 percent of the bid immediately with the balance in 30 days. That is for bidders, not for the homeowner.

How long to answer the complaint?

35 days, per the court's page. Use the answer packet and talk to an attorney.

Does mediation stop the case?

The courts page describes mediation as a way to work with the lender. It does not say it stops the case. Ask the Office of Foreclosure and your attorney how it affects your dates. A housing counselor can help you ask the right questions.

Keep reading

We buy houses in VoorheesFacing 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 Voorhees, NJSelling a Voorhees Home During a DivorceSelling Your Voorhees Home When You Are RelocatingFacing 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. City service-area content (Kaizen Home Buyers, 2026-06-30)
  3. Kaizen process steps (Kaizen Home Buyers, 2026-10-23)
  4. Foreclosure Sales Information, Sheriff's Office (Camden County, New Jersey, undated page)

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