A creditor, as defined in P.L. 2014, c. 5, who files a summons and
complaint in an action to foreclose, shall be responsible for the
care, maintenance, security, and upkeep of the exterior of the vacant
and abandoned residential property subject to the foreclosure, and
if located out-of-state, shall be responsible for appointing an in-state
representative or agent to act for the foreclosing creditor.