NJ A1914

Primary and secondary residences of veterans, service members, and military spouses are exempt from levy, execution, attachment, or forced sale for payment of debts, with no limitation on property value.

Retirement accounts, pensions, disability benefits, and veterans' benefits are fully exempt from creditor claims for veterans, service members, and military spouses.

One motor vehicle per household is exempt from creditor claims up to $30,000 fair market value.

Exemptions do not apply to mortgages, voluntary liens, government taxes/assessments, or judgments from fraud, willful misconduct, or criminal activity.

The act takes effect retroactively to January 1, 2025 for debts incurred or claims filed on or after that date, and surviving spouses retain all exemptions upon the death of a veteran or service member.