Facing Tax Foreclosure in Upper Saddle River, New Jersey? Know Your Rights
If you own a home in Upper Saddle River and are falling behind on property taxes, you are not alone. Many homeowners across Bergen County face this situation, and understanding your options is the first step toward protecting your home.
How Tax Lien Certificates Work in Upper Saddle River
Unlike states that auction properties for unpaid taxes, New Jersey operates at the municipal level. Upper Saddle River's Municipal Tax Collector manages the process. When taxes become delinquent, the Borough holds a Tax Lien Certificate sale where investors purchase certificates representing the debt. This does not transfer your property.
As a community in Bergen County, Upper Saddle River handles its own tax sales independently. Your first call should be to the Municipal Tax Collector's office in Upper Saddle River.
The Redemption Period
After a lien certificate is sold, you have a redemption period to pay off the amount plus interest and remove the lien. If the period passes, the certificate holder can petition the Bergen County Superior Court to foreclose on your right of redemption. Do not ignore notices.
Your Surplus Fund Rights
The Supreme Court's 2023 Tyler v. Hennepin decision confirmed that keeping tax sale surplus beyond the debt owed violates the Constitution. New Jersey's July 2024 reform law now prohibits municipalities from retaining surplus equity from tax foreclosure -- a major change for Upper Saddle River homeowners. Previously, tax lien certificate foreclosures did not produce surplus for owners. The new law changes that. You have three years under N.J.S.A. 46:30B-7 to claim before funds are presumed abandoned.
Free Help from AuctionBlock.org
AuctionBlock.org is a mission-driven company dedicated to helping homeowners navigate tax foreclosure. We provide free assistance to homeowners in Upper Saddle River and throughout Bergen County, including surplus fund research and connections to legal resources.
Visit AuctionBlock.org today to learn more about your rights and get free help. You do not have to face this alone.
AuctionBlock.org is a mission-driven company. This article is for informational purposes and does not constitute legal advice. Consult a licensed New Jersey attorney. Last updated: April 2026.