reglab/housing_qa huggingface dataset:
NJ Rev Stat § 2A:50-55 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-55 - Definitions.

2A:50-55 Definitions.  3. As used in this act: "Deed in lieu of foreclosure" means a voluntary, knowing and uncoerced conveyance by the residential mortgage debtor to the residential mortgage lender of all claim, interest and estate in the property subject to the mortgage. In order for a conveyance to be voluntary, the debtor shall have received notice of, and been fully apprised of the debtor's rights as specified in section 4 of this act. For purposes of this act, "voluntarily surrendered" has the same meaning as "deed in lieu of foreclosure." "Immediate family" means the debtor, the debtor's spouse, or the mother, father, sister, brother or child of the debtor or debtor's spouse. "Non-residential mortgage" means a mortgage, security interest or the like which is not a residential mortgage. If a mortgage document includes separate tracts or properties, those portions of the mortgage document covering the non-residential tracts or properties shall be a non-residential mortgage. "Obligation" means a promissory note, bond or other similar evidence of a duty to pay. "Office" means the Office of Foreclosure within the Administrative Office of the Courts. "Residential mortgage" means a mortgage, security interest or the like, in which the security is a residential property such as a house, real property or condominium, which is occupied, or is to be occupied, by the debtor, who is a natural person, or a member of the debtor's immediate family, as that person's residence. This act shall apply to all residential mortgages wherever made, which have as their security such a residence in the State of New Jersey, provided that the real property which is the subject of the mortgage shall not have more than four dwelling units, one of which shall be, or is planned to be, occupied by the debtor or a member of the debtor's immediate family as the debtor's or member's residence at the time the loan is originated. "Residential mortgage debtor" or "debtor" means any person shown on the record of the residential mortgage lender as being obligated to pay the obligation secured by the residential mortgage. "Residential mortgage lender" or "lender" means any person, corporation, or other entity which makes or holds a residential mortgage, and any person, corporation or other entity to which such residential mortgage is assigned. "Servicer" means the person, corporation or other entity responsible for servicing a residential mortgage loan, including a residential mortgage lender who makes or holds a loan if the lender also services the loan. "Servicing" means managing the mortgage loan account on a daily basis, including collecting and crediting periodic loan payments, managing escrow accounts, or enforcing the terms of the mortgage or note. "Short sale" means the sale of real property in which the lender or servicer agrees to release the lien that is secured by a residential mortgage on the property upon receipt of a lesser amount than is owed on the mortgage. L.1995, c.244, s.3; amended 2017, c.157, s.1.
NJ Rev Stat § 2A:50-56.1 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-56.1 - Statute of limitations relative to residential mortgage foreclosures.

2A:50-56.1 Statute of limitations relative to residential mortgage foreclosures.  1. An action to foreclose a residential mortgage shall not be commenced following the earliest of: a. Six years from the date fixed for the making of the last payment or the maturity date set forth in the mortgage or the note, bond, or other obligation secured by the mortgage, whether the date is itself set forth or may be calculated from information contained in the mortgage or note, bond, or other obligation, except that if the date fixed for the making of the last payment or the maturity date has been extended by a written instrument, the action to foreclose shall not be commenced after six years from the extended date under the terms of the written instrument;  b. Thirty-six years from the date of recording of the mortgage, or, if the mortgage is not recorded, 36 years from the date of execution, so long as the mortgage itself does not provide for a period of repayment in excess of 30 years; or c. Six years from the date on which the debtor defaulted, which default has not been cured, as to any of the obligations or covenants contained in the mortgage or in the note, bond, or other obligation secured by the mortgage, except that if the date to perform any of the obligations or covenants has been extended by a written instrument or payment on account has been made, the action to foreclose shall not be commenced after six years from the date on which the default or payment on account thereof occurred under the terms of the written instrument. L.2009, c.105, s.1; amended 2019, c.67.
NJ Rev Stat § 2A:50-56.2 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-56.2 - Response by servicers to offer relative to short sale.

2A:50-56.2 Response by servicers to offer relative to short sale.  2. a. A servicer shall respond to a good faith offer from a seller, seller's agent, or authorized third party to purchase the property through a short sale within 60 days of the date of the offer. A response would include an approval, a denial, or a request for further information. If the servicer decides not to approve a short sale, or fails to respond to the seller's, seller's agent's, or authorized third party's offer within 60 days, any deposit made by the buyer in connection with the purchase of the property shall be refunded in its entirety and the potential purchaser shall have no further obligation with respect to the sale or other disposition of the property. b. Nothing in this section shall constitute a limitation on the ability of the servicer and debtor to participate in the New Jersey Judiciary's Foreclosure Mediation Program or any other form of mediation or settlement discussion, or enter into an agreement as a result of that mediation or settlement discussion. L.2017, c.157, s.2.
NJ Rev Stat § 2A:50-56.3 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-56.3 - Dismissal of action, reinstatement.

2A:50-56.3 Dismissal of action, reinstatement.  2. a. If a plaintiff's action to foreclose a residential mortgage has been dismissed without prejudice pursuant to R.4:64-8 of the Rules Governing the Courts of New Jersey of the State of New Jersey, reinstatement of the plaintiff's action may be permitted only on motion for good cause shown. Reinstatements shall be limited to three for any action, except that a reinstatement which is granted following a dismissal without prejudice that resulted from the plaintiff's compliance with federal law or regulation shall not count toward the limit established by this subsection. The fee for a plaintiff to reinstate a residential mortgage foreclosure action shall be twice the amount set for filing a foreclosure complaint. The plaintiff shall not charge or otherwise pass a reinstatement fee onto the debtor or any other person. b. The amounts paid by plaintiffs for reinstating a mortgage pursuant to subsection a. of this section, that are over and above the amounts set for filing a foreclosure complaint, shall be aggregated and divided equally on an annual basis, with one-half dedicated to the New Jersey Housing and Mortgage Finance Agency for the purposes of funding the counseling component provided by the agency for the New Jersey Judiciary's Foreclosure Mediation Program, and one-half dedicated to the Administrative Office of the Courts for the general operations provided by the office for the New Jersey Judiciary's Foreclosure Mediation Program. L.2019, c.69, s.2.
NJ Rev Stat § 2A:50-57 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-57 - Curing of default

2A:50-57. Curing of default  5. a. Notwithstanding the provisions of any other law to the contrary, as to any residential mortgage for which a notice of intention to foreclose is required to be given pursuant to section 4 of this act, whether or not such required notice was in fact given, the debtor, or anyone authorized to act on the debtor's behalf, shall have the right at any time, up to the entry of final judgment or the entry by the office or the court of an order of redemption pursuant to subsection g. of section 11 of this act, to cure the default, de-accelerate and reinstate the residential mortgage by tendering the amount or performance specified in subsection b. of this section. The payment or tender shall be made to the person designated in the notice pursuant to paragraph (5) of subsection c. of section 4 of this act. The debtor may exercise the right to cure a default as to a particular mortgage and reinstate that mortgage only once every 18 months, provided, however, that this limitation shall not apply if the mortgage debtor cures a default by the date specified in paragraph (5) of subsection c. of section 4 of this act. The 18-month time period shall run from the date of cure and reinstatement. b. To cure a default under this section, a debtor shall: (1) pay or tender to the person identified pursuant to paragraph (5) of subsection c. of section 4 of this act, in the form of cash, cashier's check, or certified check, all sums which would have been due in the absence of default, at the time of payment or tender; (2) perform any other obligation which the debtor would have been bound to perform in the absence of the default or the exercise of an acceleration clause, if any; (3) pay or tender court costs, if any, and attorneys' fees in an amount which shall not exceed the amount permitted under the Rules Governing the Courts of the State of New Jersey; and (4) pay all contractual late charges, as provided for in the note or security agreement. c. To cure a default under this section, a debtor shall not be required to pay any charge, fee or penalty attributable to the exercise of the right to cure a default as provided for in this act. d. Cure of a default reinstates the debtor to the same position as if the default had not occurred. It nullifies, as of the date of cure, any acceleration of any obligation under the mortgage, note or bond arising from the default. e. If a default is cured prior to the filing of a foreclosure action, the lender shall not institute a foreclosure action for that default. If a default is cured after the filing of a foreclosure action, the lender shall give written notice of the cure to the court. Upon such notice, the court shall dismiss the action without prejudice. f. The right to cure a default under this section is independent of any right of redemption or any other right or remedy under the common law, principles of equity, State or federal statute, or rule of court. L.1995,c.244,s.5.
NJ Rev Stat § 2A:50-59 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-59 - Reinstatement of mortgage relationship

2A:50-59. Reinstatement of mortgage relationship  7. If a debtor is successful in curing the default under a repayment plan approved by the United States Bankruptcy Court, the residential mortgage relationship between the parties is reinstated, and the debtor is restored to the same position held before the default or acceleration. L.1995,c.244,s.7.
NJ Rev Stat § 2A:50-60 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-60 - Federal law not limited, modified

2A:50-60. Federal law not limited, modified  8. Nothing herein is intended to limit or modify any provision of federal law regarding notice of the availability of homeownership counselling. L.1995,c.244,s.8.
NJ Rev Stat § 2A:50-61 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-61 - Waivers against public policy, unlawful, void

2A:50-61. Waivers against public policy, unlawful, void  9. Waivers by the debtor of rights provided pursuant to this act are against public policy, unlawful, and void, unless given after default pursuant to a workout agreement in a separate written document signed by the debtor. L.1995,c.244,s.9.
NJ Rev Stat § 2A:50-62 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-62 - Nonapplicability of act

2A:50-62. Nonapplicability of act  10. The provisions of sections 1 through 9 of this act shall not apply to the foreclosure of a non-residential mortgage nor to collection of the obligation by means other than enforcing the lender's lien on the residential property. A lender shall not be required to foreclose a residential mortgage and a non-residential mortgage securing the same obligation in the same proceeding. L.1995,c.244,s.10.
NJ Rev Stat § 2A:50-65 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-65 - Provision of judgment creditor's address for service

2A:50-65. Provision of judgment creditor's address for service  13. Any judgment creditor shall, upon entry of judgment in the office of the Clerk of the Superior Court, provide the Court with its current address for service. If the judgment creditor's address for service changes, it shall be incumbent upon the judgment creditor to effect a change of address for service by filing an appropriate form with the court in a timely manner. If any judgment creditor fails to provide the Court with a current or change of address for service, in any foreclosure proceeding, the plaintiff may, without having to first make a more diligent inquiry or publish notice in a newspaper, serve the judgment creditor by ordinary mail and certified mail at the address that is reflected in the records of the Clerk of the Superior Court. The judgment creditor shall, if known, provide the Clerk of the Court with the judgment debtor's social security number or taxpayer identification number. L.1995,c.244,s.13.
NJ Rev Stat § 2A:50-66 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-66 - Letter in lieu of appearance by Attorney General

2A:50-66. Letter in lieu of appearance by Attorney General  15. a. The United States Attorney for the District of New Jersey may send a letter to the Clerk of the Superior Court of New Jersey which notes the appearance of the Attorney General of the United States and states that neither an answer will be filed nor a default opposed. This letter shall be accepted by the Clerk of the Superior Court of New Jersey in lieu of an appearance by the Attorney General of the United States. The acceptance by the Clerk shall allow the foreclosing plaintiff to proceed as if the United States had filed a non-contesting answer. b. The Attorney General of New Jersey may send a letter to the Clerk of the Superior Court of New Jersey which notes the appearance of the Attorney General of New Jersey and states that neither an answer will be filed nor a default opposed. This letter shall be accepted by the Clerk of the Superior Court of New Jersey in lieu of an appearance by the Attorney General of New Jersey. The acceptance by the Clerk shall allow the foreclosing plaintiff to proceed as if the State of New Jersey had filed a non-contesting answer. L.1995,c.244,s.15.
NJ Rev Stat § 2A:50-67 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-67 - Partial payment

2A:50-67. Partial payment  17. In the absence of an express agreement between the parties to the contrary, a debtor may tender, and a lender may accept, partial payment of any sum owing and due without either party waiving any rights. L.1995,c.244,s.17.
NJ Rev Stat § 2A:50-68 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-68 - Regulations

2A:50-68. Regulations  18. The Attorney General, in consultation with the Commissioner of Banking, shall promulgate regulations pursuant to the "Administrative Procedure Act," P.L.1968, c.410 (C.52:14A-1 et seq.) necessary to implement this act, including, but not limited to, regulations governing the form and content of notices of intention to foreclose. L.1995,c.244,s.18.
NJ Rev Stat § 2A:50-69 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-69 - Short title.

2A:50-69 Short title.  1. This act shall be known and may be cited as the "New Jersey Foreclosure Fairness Act." L.2009, c.296, s.1.
NJ Rev Stat § 2A:50-72 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-72 - Supersedure.

2A:50-72 Supersedure.  6. The provisions of any regulation, ordinance, rule, or resolution of any municipality, county or other subdivision of the State, or any agency or instrumentality of that municipality, county or other subdivision, relating to foreclosure practices, or the extension, delay, forbearance or imposition of moratorium periods concerning foreclosures, are superseded by the provisions of the "Save New Jersey Homes Act of 2008," P.L.2008, c.86 (C.46:10B-36 et seq.) and the forbearance and nuisance abatement provisions of the "Mortgage Stabilization and Relief Act," P.L.2008, c.127 (C.55:14K-82 et al.). L.2009, c.296, s.6.
NJ Rev Stat § 2A:50-74 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-74 - Short title.

2A:50-74 Short title.  1. This act shall be known and may be cited as the "New Jersey Foreclosure Mediation Act." L.2019, c.64, s.1.
NJ Rev Stat § 2A:50-75 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-75 - Findings, declarations relative to foreclosure mediation; definitions.

2A:50-75 Findings, declarations relative to foreclosure mediation; definitions.  2. a. The Legislature finds and declares that the New Jersey Judiciary established a Foreclosure Mediation Program in 2008 in response to the increase in residential foreclosures. This act ensures the continuation of mediation services provided under that program to assist homeowners and lenders in pursuing a mutually agreeable alternative to mortgage foreclosure litigation and to avoid the harmful effects of residential property foreclosure on homeowners, families, and communities. b. For the purposes of P.L.2019, c.64 (C.2A:50-74 et al.): "Certification document" means the document that the homeowner-borrower is required to submit to the court upon the initiation of foreclosure mediation, pursuant to subsection b. of section 4 and subsection a. of section 5 of P.L.2019, c.64 (C.2A:50-77 and C.2A:50-78). "Eligible property" means an owner-occupied one- to four-dwelling unit residence, one of which is occupied, or is planned to be occupied, by the homeowner-borrower, or a member of the homeowner-borrower's immediate family. "Foreclosure Mediation Program" or "mediation program" means the New Jersey Judiciary's Foreclosure Mediation Program as authorized by the Supreme Court of New Jersey. "Homeowner-borrower" means the borrower who executed the mortgage loan for an eligible property that is subject to a foreclosure complaint filed by the original residential mortgage lender or an assignee of the original residential mortgage lender. "Trained foreclosure prevention and default mitigation counselor" means a housing counselor employed by a housing counseling agency certified by the United States Department of Housing and Urban Development, who has successfully completed a foreclosure prevention and default mitigation training course. L.2019, c.64, s.2.
NJ Rev Stat § 2A:50-76 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-76 - Written notice of eligibility to participate.

2A:50-76 Written notice of eligibility to participate.  3. a. A homeowner-borrower shall receive written notice from the residential mortgage lender of the option to participate in the Foreclosure Mediation Program in accordance with the court rules, procedures, and guidelines adopted by the Supreme Court at the time the homeowner-borrower receives a notice of intention to foreclose, pursuant to section 4 of P.L.1995, c.244 (C.2A:50-56). Upon the filing of a mortgage foreclosure complaint against an eligible property, the homeowner-borrower shall again receive written notice of the option to participate in the Foreclosure Mediation Program in accordance with the court rules, procedures, and guidelines adopted by the Supreme Court.  b. The written notice required pursuant to this section shall be available in both English and Spanish, and shall alert the homeowner-borrower that: (1) pursuant to subsection b. of section 4 of P.L.2019, c.64 (C.2A:50-77), obtaining the assistance of a trained foreclosure prevention and default mitigation counselor is a prerequisite to participation in mediation; and (2) pursuant to subsection c. of section 4 of P.L.2019, c.64 (C.2A:50-77), the homeowner-borrower is not required to pay any fees in order to participate in mediation. L.2019, c.64, s.3; amended 2021, c.35.
NJ Rev Stat § 2A:50-77 (2021)
2021 New Jersey Revised Statutes|Title 2A - Administration of Civil and Criminal Justice|Section 2A:50-77 - Participation in mediation.

2A:50-77 Participation in mediation.  4. a. (1) A court may order mediation whenever a homeowner-borrower files an answer to a foreclosure complaint. (2) Alternatively, the homeowner-borrower may initiate mediation in accordance with court rules. The courts shall provide the homeowner-borrower no less than 60 days following receipt of the foreclosure complaint and summons to initiate mediation.  b. The homeowner-borrower may not participate in mediation unless the certification document required pursuant to section 5 of P.L.2019, c.64 (C.2A:50-78) is submitted to the court and signed by a trained foreclosure prevention and default mitigation counselor, verifying that the homeowner-borrower is cooperating with the counselor. c. The homeowner-borrower shall not be required to pay any fees to participate in the mediation program. L.2019, c.64, s.4.