New Jersey § 2a:50-78

§ 2a:50-78.

a. Whenever a homeowner-borrower initiates mediation or is ordered to participate

in the mediation program, that homeowner-borrower shall be responsible for submitting

a certification document to the court, confirming that they meet the definition of

a homeowner-borrower, pursuant to subsection b. of section 2 of P.L.2019, c. 64 ( C.2A:50-75 ), and that the property being foreclosed upon continues to be an eligible property

pursuant to subsection b. of section 2 of P.L.2019, c. 64 ( C.2A:50-75 ). Pursuant to subsection b. of section 4 of P.L.2019, c. 64 ( C.2A:50-77 ), the certification document submitted to the court shall also be signed by the trained

foreclosure prevention and default mitigation counselor, verifying that the trained

foreclosure prevention and default mitigation counselor is counseling the homeowner-borrower. b. Each party shall participate in foreclosure mediation, and shall attend the mediation

session in person or by telephone through a person with the authority to consider

alternatives to foreclosure so that the parties may reach a mutually acceptable loan

modification, loan workout, refinancing agreement, or other resolution. If any party or attorney for a party fails to attend a mediation session, the court,

in addition to any sanction the court deems appropriate, may sanction a party or attorney

for a violation of this subsection with a civil penalty of up to $1,000 or allow a

party to recover reasonable attorney's fees or litigation expenses, or both. In determining the type of sanction to impose against a party, the court may consider

whether the conduct was intentional and whether the party has engaged in a pattern

of similar conduct with respect to the current complaint or any previous complaints.