Owner Occcupied Foreclosures

[Solomon F.]

It seems that more foreclosed houses being put up for sale by the banks while still owner occupied. I am in NJ and I know that it is a tenant friendly state. How about owner occupants that were never tenants, how long will it take to get them out? What is the process like? How much can I expect it to cost in legal fees? 

I have also heard that if they file for bankruptcy it can stall out the process. Can anyone from NJ or beyond share their experience or knowledge? Thanks