Document 4 of 6 · The court has ruled

Final Judgment of Foreclosure

Judgment is not eviction. The home has not been sold, you still live there lawfully, and the two adjournments most homeowners can claim add up to two more months if used deliberately.

What this document is

The court’s order fixing the total amount owed and authorizing the county sheriff to sell the property. A writ of execution follows, sending the case to the sheriff’s sale calendar.

Your clock

No sale can happen until the sheriff schedules and advertises it, which typically takes a number of weeks after judgment. From this point on, curing generally means paying the full judgment amount rather than just the arrears.

What to do this week

  1. 1

    Look up whether a sale date has been scheduled in your county; our sheriff sale directory links every county’s official listings.

  2. 2

    Get legal advice on your remaining moves this week, not next month. Chapter 13, redemption, and closing a sale are all timing-critical now.

  3. 3

    If selling, tell every professional involved that a judgment exists; closings can absolutely still happen before a sheriff sale, but only when everyone works against the actual date.

What is still possible

A sale of the home before the auction, Chapter 13 (the automatic stay still applies before the sale), redemption by paying the judgment in full, and sale adjournments to make time for any of these. Modification at this stage is rare but servicers can still choose to review.

Two minutes of questions tells you which of these options actually fit your numbers and your timeline.

See My Options, Free

Educational information, not legal advice. Deadlines reflect New Jersey law generally; your case may differ, and a licensed New Jersey attorney can confirm what applies.

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