Yes. New Jersey is a judicial foreclosure state, which means a lender must file a lawsuit in the Superior Court of New Jersey and win a judgment before it can sell your home.
A lender cannot simply take a New Jersey home the way it could in a non-judicial state. The case goes through the county courthouse, it creates a court record, and you have the right to respond. Because it is a court process subject to court schedules, it also takes considerably longer than foreclosure in non-judicial states.
What this means practically: every stage comes with notice and a chance to act. You will get a warning letter (the Notice of Intention) at least 30 days before any case is filed, 35 days to answer once served, and a public auction process that can generally be adjourned twice. Homeowners who treat each of those windows as working time consistently end up with better outcomes than those who wait to see what happens.
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Educational information, not legal advice. Your own court documents control your deadlines; a licensed New Jersey attorney can confirm what applies to your case.