The case proceeds without you, as an uncontested foreclosure: default is entered, judgment follows, and the home goes to sheriff sale on the fastest timeline the system allows, with your options closing along the way.
Most New Jersey foreclosures are uncontested, which is exactly why the average timelines look long: the contested cases stretch them. When no answer is filed within 35 days, the court enters default, the lender applies for final judgment through the Office of Foreclosure, and the sale is scheduled. You also quietly lose leverage along the way: the mediation window passes, loss-mitigation reviews stop protecting you, and buyers who might have paid off the loan run out of runway.
Ignoring the case is a decision, and it is almost never the best available one, even for a homeowner who has decided to let the house go. Filing for mediation costs nothing. Requesting adjournments costs almost nothing. Selling before the sale protects equity and credit. Even simply staying informed of the real sale date matters, because vacating too early forfeits months of lawful occupancy. Open the mail, mark the deadlines, and pick a path on purpose.
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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.