NJ A1415

Prevents revival of time-barred consumer debt claims after New Jersey's 6-year statute of limitations has expired, even if the debtor makes a subsequent payment, acknowledges the debt, or promises to pay

Consumer debt is defined as debt incurred primarily for personal, family, or household purposes, including consumer credit and medical debt

Overrides existing New Jersey case law (Burlington County Country Club v. Midlantic Nat. Bank South) that currently allows debt claims to be revived through acknowledgment or partial payment after the statute of limitations expires

Applies to any cause of action filed on or after the bill's effective date

Sponsored by Assemblywoman Ellen J. Park (District 37, Bergen) and Assemblyman Balvir Singh (District 7, Burlington) for the 2026 legislative session