Atlantic County sheriff’s sale at a glance
When
Thursdays at 12:00 noon
Where
Multi-Purpose Room, Atlantic County Criminal Courthouse, 4997 Unami Boulevard, Mays Landing
Bidder deposit
20% of the bid by certified check, bank check, or treasurer's check only, payable to the Atlantic County Sheriff's Office; checks older than 180 days are refused; balance within 30 days, with interest from the 13th day
Adjournments
Homeowners and lenders each get two 30-day adjournments plus one 30-day adjournment by mutual agreement. The fee is $28 per adjournment ($56 for both), cash or money order only, and the homeowner must request it in writing before the sale date; a third party may request it on the homeowner's behalf with a notarized letter and identification. Requests cannot be made by website or email.
Atlantic County Sheriff's Office, Sheriff Sales Unit
4997 Unami Boulevard, Mays Landing, NJ 08330 · (609) 909-7225
- Bids rise in increments of $1,000 or more.
- The owner has an unqualified right to redeem for 10 calendar days after the sale or until the deed is delivered.
- Sales are advertised in the Press of Atlantic City and the Atlantic County Record for four consecutive weeks and listed on salesweb.civilview.com (Atlantic).
Verified against the Atlantic County Sheriff’s website. Schedules change; David confirms every client’s sale date directly with the sheriff.
How a home gets to sheriff’s sale
A New Jersey sheriff’s sale is the last step of a court case, not the first. The lender must send a Notice of Intention to Foreclose, file a complaint, obtain a final judgment, and then deliver a writ of execution to the Atlantic County Sheriff, who has 150 days to schedule the sale and must advertise it for four weeks. Contested cases are heard at Atlantic County Civil Courts Building in Mays Landing. If you are reading this with a sale date already set, the judgment has been entered, but several tools remain.
Six ways to stop or postpone the sale
- Statutory adjournments. The homeowner is entitled to two by law, and the court can order more for cause. In Atlantic County, follow the sheriff’s procedure exactly; a request made the wrong way or too late is refused.
- A complete loan modification application. Federal rules restrict a servicer from holding the sale while a complete application received more than 37 days before the sale is under review. Loan modification.
- Reinstatement or payoff. Paying the arrears or the full judgment cancels the sale. Get the figure in writing.
- A short sale with a lender postponement. Lenders often postpone when a real offer is on the table. Short sales.
- A motion to stay the sale or vacate the judgment. Where service, notice, or standing were defective, the court can stop the sale. Foreclosure litigation.
- Bankruptcy, by referral. A filing imposes an automatic stay. David does not handle bankruptcy cases. When a bankruptcy filing is the right tool, he refers you to a bankruptcy attorney.
After the sale
The sale is not final the moment the gavel falls. The former owner has a short period to redeem or object, and the deed is delivered only afterward. If the home sold for more than the judgment, the difference is held by the court as surplus funds that you can claim. Tenants have separate rights and generally cannot be removed without a court process.
Have a Atlantic County sale date?
Bring the notice of sale and your latest mortgage statement. In one free conversation you will know whether the date can be moved and how.