Often, yes. Sheriff sales can typically be adjourned on request, a Chapter 13 bankruptcy filing generally halts the sale through the automatic stay, and completing a sale of the home before the auction date stops it entirely.
Reinstating the loan by paying what is owed also stops the sale. Which route is realistic depends on your finances and how close the date is. Contact your county sheriff to confirm the current sale schedule, and speak with an attorney before relying on any single strategy.
The adjournment right is the underused tool here: New Jersey homeowners are generally entitled to two adjournments of up to 30 days each, requested through the sheriff's office for a small fee, and courts can order more. Two adjournments, used deliberately, are enough time to close a sale or file a Chapter 13. Our county directory links every sheriff's official sale listings so you can confirm the real date, which is frequently later than the one on your notice.
The free two-minute assessment turns general answers into your specific next step.
See My Options, FreePeople also ask
- Can I sell my house while it is in foreclosure in New Jersey?
- What happens to my equity if my house is foreclosed in New Jersey?
Educational information, not legal advice. Your own court documents control your deadlines; a licensed New Jersey attorney can confirm what applies to your case.