Sued for Debt in New Jersey? We Can Help
Our attorneys negotiate with debt collectors in New Jersey to reduce what you owe — often by 50-70%. Free consultation. Learn about your rights, deadlines, and options below.
Response Deadline: 35 Days
You have 35 days from the date you are served to file your Answer with the New Jersey court. Missing this deadline results in an automatic default judgment against you.
Statute of Limitations in New Jersey
| Debt Type | Years |
|---|---|
| Credit Card | 6 |
| Medical Debt | 6 |
| Auto Loan / Deficiency | 6 |
| Personal Loan | 6 |
| Written Contract | 6 |
| Oral Contract | 6 |
The statute of limitations is measured from the date of your last payment or activity on the account. If the SOL has expired, the debt is time-barred and you have a strong affirmative defense.
Wage Garnishment in New Jersey
Wage garnishment is allowed — up to 10% of disposable earnings
Only 10% of gross income for most debtors. If income is less than 250% of poverty level, wages are completely exempt. Very protective.
Court System in New Jersey
Small claims limit $5,000. Special civil part handles cases up to $20,000. Law division for larger amounts.
Filing fees: $35-$300
New Jersey Consumer Protection Law
New Jersey Consumer Fraud Act
In addition to the federal FDCPA, New Jersey has its own consumer protection law that may provide additional rights and remedies against debt collectors. Violations of state law can result in additional damages.
How We Help With New Jersey Debt Cases
- Free consultation. Tell us about the lawsuit and the debt. We review your case and assess your options at no cost.
- Case assessment. We evaluate the strength of the collector's case, check for FDCPA violations, and determine the best approach — negotiation, defense, or counterclaim.
- Attorney negotiation. Our attorney contacts the collector directly and negotiates a reduced settlement. Most New Jersey clients save 50-70% of their original debt amount.
- Resolution. You pay the agreed settlement, the lawsuit is dismissed, and the case is closed. No court appearances, no filing paperwork yourself.
Note: You have 35 days to respond to the lawsuit in New Jersey. Contact us as soon as possible to ensure we can negotiate before the deadline.
FAQ: Debt Collection in New Jersey
How long to respond in New Jersey?
35 days from service — one of the longer deadlines, but do not wait until the last day.
What is the SOL in New Jersey?
6 years for all contract types.
How protective is NJ on wage garnishment?
Very protective. Only 10% of gross income can be garnished. If your income is below 250% of the federal poverty level, your wages are completely exempt.
What is the special civil part?
New Jersey's court for civil cases up to $20,000. Most consumer debt lawsuits are filed here.
Is Pressler Feltner active in NJ?
Yes. Pressler Feltner is one of the highest-volume debt collection filers in New Jersey.
Reviewed by [Attorney Name], Esq. Last updated March 2026. This information is for educational purposes and does not constitute legal advice.
Get Help With Your New Jersey Debt
Our attorneys negotiate with collectors in New Jersey to reduce what you owe. Free consultation — contact us today.
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