How to Respond to a Debt Collection Lawsuit in New Jersey
The deadline to answer a debt lawsuit in New Jersey, where to file, and what happens if you don't respond.
Short answer: In the Special Civil Part (cases of $20,000 or less), file a written answer with the court within 35 days of getting the summons. If you do not, a money judgment may be entered against you. NJ Courts, Lawsuits $20,000 or less (Special Civil)
| Answering a debt lawsuit | In the Special Civil Part (cases of $20,000 or less), file a written answer with the court within 35 days of getting the summons. If you do not, a money judgment may be entered against you. The court publishes answer packets and forms for self-represented defendants. In small claims, the defendant must attend the trial as instructed in the summons. |
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| Time limit to sue on a written contract | 6 years for a contract claim, written or oral (express or implied, not under seal). Source: N.J.S.A. 2A:14-1 |
| How long a judgment lasts | A writ for a wage execution can last for 20 years; other writs of execution (such as bank levies) expire after 2 years, but the creditor may request new writs or record the judgment as a lien on New Jersey real estate. |
More New Jersey debt & collections
- Statute of Limitations on Debt in New Jersey
- Wage Garnishment in New Jersey
- What Creditors Can't Take in New Jersey
- Medical Debt Protections in New Jersey
- All New Jersey debt & collections rules
FAQ
How do I respond to a debt collection lawsuit in New Jersey?
In the Special Civil Part (cases of $20,000 or less), file a written answer with the court within 35 days of getting the summons. If you do not, a money judgment may be entered against you. The court publishes answer packets and forms for self-represented defendants.
What is the statute of limitations on debt in New Jersey?
6 years for a contract claim, written or oral (express or implied, not under seal).
How long does a court judgment last in New Jersey?
A writ for a wage execution can last for 20 years; other writs of execution (such as bank levies) expire after 2 years, but the creditor may request new writs or record the judgment as a lien on New Jersey real estate.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.