New Jersey § 2a:50-58

§ 2a:50-58.

a. (1) If a plaintiff's action to foreclose a residential mortgage is uncontested,

pursuant to R.4:64-1(a) of the Rules Governing the Courts of the State of New Jersey

and the plaintiff chooses not to use the optional procedure for the disposition of

foreclosed premises pursuant to section 11 of this act, 1 a lender shall apply for entry of final judgment and provide the debtor with a notice,

mailed at least 14 calendar days prior to the submission of proper proofs for entry

of a foreclosure judgment, providing the debtor with the name and address of the lender and the telephone number

of a representative of the lender whom the debtor may contact to obtain the amount

required to cure the default, and advising that, absent a response from the debtor pursuant to paragraph (2) of this

subsection a., proper proofs will be submitted for entry of final judgment in the

foreclosure action and that upon entry of final judgment, the debtor shall lose the

right, provided pursuant to section 5 of this act, 2 to cure the default. The lender shall attach a copy of the required 14-day notice to the application for

final judgment. The manner and address for mailing and the effective date of the notice shall be

the same as set forth in subsection b. of section 4 of this act. 3 (2) A debtor may, no later than 10 days after receipt of the notice required pursuant

to subsection a. of this section, mail to the lender a statement in which the debtor

in good faith certifies as true that there is a reasonable likelihood that the debtor

will be able to provide payment necessary to cure the default within 45 days of the

date the notice required pursuant to paragraph (1) of this subsection a. became effective. This statement shall be sent registered or certified mail, return receipt requested,

to the address of the lender who gave notice as required pursuant to subsection a.

of this section. (3) A lender who receives a statement sent by the debtor pursuant to paragraph (2)

of this subsection a., shall not submit proper proofs for entry of final judgment

in foreclosure with a return date earlier than 46 days after the date the notice required

pursuant to paragraph (1) of this subsection a. became effective. b. (1) If a plaintiff's action to foreclose a residential mortgage is uncontested,

pursuant to R.4:64-1(a) of the Rules Governing the Courts of the State of New Jersey

and the lender chooses to use the optional procedure for the disposition of the foreclosed

premises pursuant to section 11 of this act, the lender shall provide the debtor with

a notice, mailed at least 14 calendar days prior to filing an affidavit or certification

with the office or court pursuant to subsection f. of section 11 of this act. The notice shall provide the debtor with the name and address of the lender and the telephone number

of a representative of the lender whom the debtor may contact to obtain the amount

required to cure the default, and advise the debtor that, absent a response from the debtor pursuant to paragraph (2)

of this subsection b., the lender shall file an affidavit or certification with the

office or court requesting the office or court to enter an order of redemption and

that upon the entry of the order of redemption the debtor shall lose the right provided

pursuant to section 5 of this act, to cure the default. The lender shall attach a copy of the required 14-day notice to the affidavit or certification

for filing with the office or court requesting the office or court to enter an order

of redemption. The manner and address for mailing and the effective date of the notice shall be the

same as set forth in subsection b. of section 4 of this act. (2) A debtor may, no later than 10 days after receipt of the notice required pursuant

to paragraph (1) of this subsection b., mail to the lender a statement in which the

debtor in good faith certifies as true that there is a reasonable likelihood that

the debtor will be able to provide payment necessary to cure the default within 45

days of the date the notice required pursuant to paragraph (1) of this subsection

b. became effective. This statement shall be sent registered or certified mail, return receipt requested,

to the address of the lender who gave notice as required pursuant to paragraph (1)

of this subsection b. (3) A lender who receives a statement sent by the debtor pursuant to paragraph (2)

of this subsection b., shall not file an affidavit or certification with the office

or court earlier than 46 days after the date the notice required pursuant to paragraph

(1) of this subsection b. became effective. 1

N.J.S.A. § 2A:50-63. 2

N.J.S.A. § 2A:50-57. 3

N.J.S.A. § 2A:50-56.