State law requires that all residential mortgage lenders give residential mortgage debtors at least 30 days prior notice before commencing any foreclosure or other legal action to take possession of property (the “Notice of Intention to Foreclose”). The Notice of Intention to Foreclose must be sent by regular and certified mail and cannot be sent more than 180 days before the commencement of such action. The Notice must contain all the information set forth in NJSA 2A:50-56 et seq.

P.L. 2019, Chapter 134 further requires that, effective April 1, 2020, residential mortgage lenders file with the Department of Community Affairs (the “Department”) a copy of the Notice of Intention to Foreclose and a description of the subject property by street address, block, and lot as shown on the municipal tax map at the time the Notice is given to the residential mortgage debtor.

Commencing on April 1, 2020, all Notices of Intention to Foreclose filed with the Department of Community Affairs as required by N.J.S.A. 46:10B-49.2, must be filed electronically, as opposed to filing in hard copy.

In order to facilitate this process, the Department has created an online filing system (the “Database”) that allows for individual and bulk uploads of Notice filings. The Department will provide each residential mortgage lender an electronic acknowledgement of the Department’s receipt of the Notice of Intention to Foreclose.

Click on the button below to access the Database:

Foreclosure Filing System button