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Medical debt in New Jersey is SiX years....but if you sent up a payment plan everytime you make a payment is resets the clock back to zero. This does not stop them from coming for a wage garnishment! So if you get sued and the amount is under $ 15,000.00 you better answer the complaint...failure to submitt and answer the complaint is a default and hospitals and medical providers just love NJ Special Civl Part where they can sue you for $ 15,000.00 and under. Note: Court Persons make a commission in NJ on Special Civil Part Judgments. So if you get sued with a complaint make sure you file an answer within 20 days or you will be in defalut and the creditor wins. Web site to help you about NJ Special Civil Court Items below http://www.judiciary.state.nj.us/civil/civ-03.htm Please take the time to do your research!

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