New Jersey Statute of Limitations for Debt Collection
In New Jersey, the statute of limitations for debt collection is 6 years. After this period, a lawsuit based on this type of claim is generally time-barred.
Data last updated: Apr 16, 2026Key Takeaways
- Time limit: 6 years from accrual.
- Statute: N.J. Stat. § 2A:14-1.
- 6 years for all debt types.
What are debt collection claims?
The time limit for creditors to sue on an unpaid debt. After this period, the debt is time-barred.
Details
6 years for all debt types.
General New Jersey Rules
New Jersey provides 6 years for contract and property claims, and 2 years for personal injury. The discovery rule is well-established in New Jersey and applies to medical malpractice and latent injury claims. Medical malpractice claims require an affidavit of merit from a qualified expert.
Other Statutes of Limitations in New Jersey
Debt Collection in Other States
Frequently Asked Questions
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What is the statute of limitations for debt collection in New Jersey?
The statute of limitations for debt collection in New Jersey is 6 years. Citation: N.J. Stat. § 2A:14-1.
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When does the clock start for debt collection in New Jersey?
6 years for all debt types.
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Can the statute of limitations for debt collection be extended in New Jersey?
In some cases, yes. Tolling provisions may apply for minors, persons with incapacity, or when the defendant is absent from the state. The discovery rule may also delay the start of the statute. Consult an attorney for your specific situation.