Cumberland County sheriff’s sale at a glance
When
Every other Wednesday at 2:00 PM
Where
Cumberland County Sheriff's Office, 220 North Laurel Street, Bridgeton (not the courthouse)
Bidder deposit
20% of the bid by certified or cashier's check payable to the Sheriff of Cumberland County, with cash not to exceed $1,000 without prior approval; no personal, business, or third-party checks; balance within 30 calendar days
Adjournments
The homeowner may take two four-week postponements, used individually or together, by submitting the sheriff's form letter in writing before the sale date, by fax, mail, or in person. The lender also gets two, plus one by mutual agreement. After the two are used, a stay must be sought from the court.
Cumberland County Sheriff's Office, Foreclosure Unit
220 North Laurel Street, Bridgeton, NJ 08302 · (856) 451-4449
- The owner may redeem within 10 calendar days after the sale.
- Sales are advertised on Mondays in the Press of Atlantic City and the Daily Journal for four consecutive weeks and listed on salesweb.civilview.com (Cumberland).
- A $350 Foreclosure Intervention Fund fee is reflected in upset amounts.
Verified against the Cumberland 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 Cumberland County Sheriff, who has 150 days to schedule the sale and must advertise it for four weeks. Contested cases are heard at Cumberland County Courthouse in Bridgeton. 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 Cumberland 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 Cumberland 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.