NJ A5619

Prevents the statute of limitations for consumer debt collection lawsuits from being reset or "revived" once the six-year filing period has expired, regardless of any subsequent payment, acknowledgment, or promise to pay the debt

Defines "consumer debt" as debt incurred primarily for personal, family, or household purposes, including consumer credit and medical debt

Overrides existing New Jersey case law that allowed creditors to restart the statute of limitations clock when debtors made partial payments or acknowledged old debts after the limitations period had run

Applies to any consumer debt collection lawsuit filed on or after the bill's effective date

Amends N.J.S.2A:14-1 to add new subsection (d) with these consumer protections while maintaining existing six-year limitation periods for contract and property claims