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In 2019, Governor Phil Murphy signed nine new laws that affect New Jersey foreclosures. The laws aim to help homeowners and reduce foreclosures. This article describes the law that relates to the reinstatement of a foreclosure action.

If a foreclosure case is filed, but none of the parties (people or lender) in the case file documents for 12 months, the court may dismiss (or cancel) the case.

The lender will be able to reinstate (restart) the case, but will have to pay a $500 reinstatement fee. The lender cannot pass this cost on to the homeowner.

For more information about other important sections of the laws, click on one of the topics below.

• Sheriff’s Sale Delays (N.J.S.A. 2A:50-64)
• Statute of Limitations (N.J.S.A. 2A:50-56.1)
• Foreclosure Mediation (N.J.S.A. 2A:50-56, N.J.S.A. 2A:50-74, and NJ Court Rule 4:64-1B)
• Creditor Contact Information (N.J.S.A. 46:10B-51)
• Condominium and Homeowner Association Lien Super-Priority (N.J.S.A. 46:8B-21 and N.J.S.A. 45:22A-44.1)
• Vacant and Abandoned Residential Property (N.J.S.A. 2A:50-73)
• Mortgage Servicers Licensing Act (N.J.S.A. 17:16F-27 and N.J.S.A. 17:1C-34)
• Licensing Requirements for Residential Mortgage Lending (N.J.S.A. 2A:50-56 and N.J.S.A. 17:11C-1)​

The “citations” (letters and numbers next to each section title) are codes used to find laws online or in a law library. ​​

This information last reviewed: Dec 10, 2019