The short version
Somerset County publishes its own foreclosure sale list on the county website, and New Jersey homeowners are generally entitled to two adjournments of a scheduled sale of up to 30 days each, requested through the sheriff's office ((908) 231-7144). Check the official list for your real sale date — it is frequently later than the date on your notice — and use any time you buy on a concrete plan: closing a sale, finishing a loss-mitigation review, or preparing a Chapter 13.
Where Somerset County actually publishes its sales
Somerset County is one of the few NJ counties that does NOT use the statewide CivilView system: it publishes its own sale list on the county website. If you have been searching CivilView and not finding your property, that is why.
The Somerset County Sheriff's Office foreclosure unit can be reached at (908) 231-7144 (Sales held at: Somerset County Administration Building, 3rd Floor, 20 Grove Street, Somerville, NJ).
One local detail that surprises people: Somerset County sales are not held at a courthouse. They are conducted at Somerset County Administration Building, 3rd Floor, 20 Grove Street, Somerville, NJ.
How the auction works
The sale is a public auction of the property to satisfy the foreclosure judgment. Bidders must meet the county's deposit requirements, the lender typically bids up to what it is owed, and if no one outbids that, the property goes back to the lender. Two facts matter most to a homeowner: the listed sale date moves often (check the official list weekly, not the notice you were mailed), and if the sale brings more than the judgment, the surplus belongs to you and must be claimed from the court — it is not mailed automatically.
Your two adjournments — up to 60 extra days
Under New Jersey law, homeowners are generally entitled to two adjournments of a scheduled sale, each up to 30 days, requested through the Somerset County Sheriff's Office for a small fee. No lawyer, no court appearance. Beyond the two, further postponements take a court order, which judges grant for genuine cause — a closing scheduled weeks out being the classic example.
Request days ahead, not the morning of; confirm the new date on the official list afterward. And never pay a third party to "get your sale postponed" — the request is yours to make, and up-front fees for foreclosure rescue services are generally illegal.
What the extra days are actually for
Sixty days fits three real plans: a cash sale (commonly closing in 14–30 days, which pays the judgment and ends the case), the completion of a loss-mitigation review already under way, or a properly prepared Chapter 13 filing whose automatic stay halts the sale. Time without one of those attached is just interest accruing.
The market reality: Somerset's suburban stock holds value, and most foreclosure cases here involve meaningful equity. The county's own sale list (not CivilView) is the calendar that matters. For homeowners weighing exits, Somerset's steady demand means a properly priced home sells inside the window two sheriff-sale adjournments provide.
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Educational information, not legal or tax advice. Your own court documents control your deadlines; licensed New Jersey professionals can confirm what applies to your case.