New Jersey Foreclosure Defense
New Jersey foreclosures are judicial and hinge on a strict pre-suit Notice of Intention to Foreclose — a defective notice requires dismissal.
Process: Judicial — court case, then a sheriff's sale (with a statutory adjournment right).
Pre-foreclosure notice: Notice of Intention to Foreclose — Fair Foreclosure Act, N.J.S.A. 2A:50-56 (strict 30-day pre-suit notice); U.S. Bank v. Guillaume.
Statute of limitations: 6 years from the date of default (N.J.S.A. 2A:50-56.1).
Lead move: Motion to vacate the default judgment + Order to Show Cause to stay the sheriff's sale (R. 4:50-1).
Facing a sale date in New Jersey?
HWS organizes your self-help defense as a tracked Matter — deadlines, document analysis, and court-ready draft templates your attorney can review before you file.
This is self-help educational information, not legal advice, and Health Wealth Stealth is not a law firm. It does not create an attorney-client relationship. We never charge advance fees and make no guarantee of any outcome. Consult a licensed New Jersey attorney about your situation.