Know The Process › New Jersey counties › Camden County
Foreclosure in Camden County, NJ
How foreclosure works in Camden County — who runs the sheriff sale, where it's posted, the deadlines that matter, and every option you still have. Plain English, free.
Camden County at a glance
High volume. Surplus situations occur regularly here — if your sale already happened, run the surplus check.
The process, step by step
New Jersey foreclosures go through the court system. These are the steps in order — the highlighted ones are the deadlines homeowners most often miss.
- Notice of IntentionLender must send this at least 30 days before filing suit.
- Complaint filed & servedThe court case begins. You get 35 days to file an answer.
- Answer period & mediationContested cases add months. Free court mediation can run in parallel.
- JudgmentIf uncontested, judgment can enter after the answer period runs out.
- Sheriff sale scheduledScheduling and notice typically take one to several months; adjournments extend it.
- Sale & the 10 days afterObjection/redemption window after the sale, then the deed process.
- Surplus (if any)If the sale exceeded the judgment, the surplus is deposited with the court for claims.
Already sold? You may still be owed money.
When a foreclosed New Jersey home sells for more than the debt owed, the leftover money — the surplus — belongs to the former owner, not the bank. The court holds it, and most people are never told.
Camden County questions, answered straight
Where are Camden County sheriff sales posted?
Camden County's sheriff sales are posted on the statewide CivilView sheriff-sale listing (salesweb.civilview.com). Dates adjourn often — re-check the week of the sale.
Where is the Camden County Sheriff's Office?
The Camden County Sheriff's Office and the County Surrogate are based in Camden, the county seat. The Sheriff's Office runs foreclosure sales; the Surrogate handles estates when an owner has passed away.
How long does foreclosure take in Camden County?
There is no single number. New Jersey is a judicial foreclosure state: the lender must send a Notice of Intention at least 30 days before filing, you have 35 days to answer the complaint once served, and contested cases and adjournments add months. Our free timeline tool works out your own dates from the papers in your hand.
My Camden County home already sold at sheriff sale. Is it too late?
Not necessarily. There is a short window right after the sale, and if the sale brought in more than what was owed, the extra money — the surplus — is held by the court and belongs to the former owner. Run the free surplus check.