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Important Disclosure - Better Future Finance

*Assumes all of your debts are eligible for enrollment, are enrolled in the program, and you successfully complete the program. The majority of clients who successfully complete the program resolve their enrolled debts in 24–48 months (average 35 months).

The Better Future Finance partners with trusted third-party providers (“Providers”) to offer certified financial hardship assistance. In some states, debt resolution services may be provided by Advantage Law, a DBA of Higbee & Associates. Clients who make all monthly program payments save approximately 40–50% of their enrolled debt (average of 43%) upon successful completion of the program, before program fees.

Fees are based on the amount of enrolled debt at the time of enrollment and typically range from 14%–29%. Programs typically range from 20–48 months. Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. Most clients receive their first settlement within 4–7 months of enrollment and approximately every 3–6 months thereafter.
Not all clients complete the program. Results vary and are based on prior performance. Providers do not guarantee specific debt reduction amounts or timelines. Providers do not assume your debts, make regular payments to creditors, or provide legal, tax, bankruptcy, or credit repair advice. These services are not available in all states. Use of the program will likely adversely affect your credit, and you may be subject to collections or legal action from creditors. Forgiven debt may be taxable.

You may cancel at any time and withdraw funds from your dedicated account, minus fees earned or paid to third-party providers. Some debts and creditors may not be eligible. To evaluate options, Providers may conduct a soft credit inquiry, which does not affect your credit score or appear on your credit report.

By submitting this form, you agree to be contacted by the Better Future Finance and its affiliated partners via phone, email, and text message regarding your inquiry. Your information will be used solely for communication and service purposes related to the Better Future Finance and its certified affiliates. Standard messaging and data rates may apply. You can opt out of communications at any time. Your personal data will not be sold or shared with unrelated third parties.

Debt Relief Laws in New Jersey | Better Future Finance

State-by-State Guides

Debt Relief Laws in New Jersey

Debt Relief Laws in New Jersey

Does New Jersey's dynamic pace accelerate your debt relief journey? In 2025, as debt averages $66,000, relief is an excellent option for individuals to address debt, often reducing payments by 35% through expert-led programs. State laws support this, balancing protections with relief opportunities.

Why Debt Relief Shines in New Jersey

New Jersey's consumer-focused laws discourage aggressive collections, making relief a strategic choice. A Newark couple, facing $22,000 in bills, used garnishment caps to negotiate relief, reducing stress and restoring balance. This shows relief's effectiveness in bustling communities.

New Jersey relief programs boost scores by 80 points on average, 2025 data reveals.

Key Laws Enabling Relief

New Jersey's structure favors debt relief success.

Statute of Limitations: Time-bars debts.

Credit cards: 6 years
Written contracts: 6 years
Oral: 6 years
Notes: 6 years

Garnishment Protections: Secures income.

Max: 10% disposable or excess over 30x min wage
Exempt: Benefits; head of household
Benefit: Enables sustained relief payments

Bankruptcy Exemptions: Asset-safe.

Homestead: $26,800
Vehicle: $4,125
Personal: $1,000 jewelry; $3,000 household
Wildcard: $1,000

Collection Rules: Restricts practices.

FDCPA plus state act; licensing required
No threats; judgment 20 years
Tip: Strong anti-harassment aid negotiations

Usury Caps: Limits charges.

General: 16%
Small loans: 30%

Real-Life Relief Example

John in Trenton cleared $19,000 using relief, leveraging SOL. "It was empowering," he noted.

What could relief do for you?

The Best Maneuver: Professional Guidance

Debt relief is a great option to tackle debt, best navigated with experts.

Action Steps:

Schedule a call with a senior financial consultant at Better Future Finance.
Analyze your laws-aligned options.
Begin your tailored relief strategy.

Resources to Begin

New Jersey AG: nj.gov/oag
Legal Services of New Jersey: Low-income support
NFCC: State chapters

New Jersey's laws make debt relief transformative. Contact Better Future Finance now.

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