New Jersey A 1415: Repeals "Medical Aid in Dying for the Terminally Ill Act."

Bill Text

A1415 

ASSEMBLY, No. 1415 

STATE OF NEW JERSEY

222nd LEGISLATURE

� 

PRE-FILED FOR INTRODUCTION IN THE 2026 SESSION

Sponsored by:

Assemblywoman ELLEN J. PARK

District 37 (Bergen)

Assemblyman BALVIR SINGH

District 7 (Burlington)

SYNOPSIS

���� Prohibits revival of certain time-barred consumer 
debt litigation claims.

CURRENT VERSION OF TEXT 

���� Introduced Pending Technical Review by Legislative 
Counsel.

�� 

An Act concerning statutes of limitations and amending 
N.J.S.2A:14-1.

���� Be It 
Enacted by the Senate and General Assembly of 
the State of New Jersey:

���� 1. N.J.S.2A:14-1 is amended to 
read as follows: 

���� 2A:14-1.� a.� Every action at 
law for trespass to real property, for any tortious injury to real or personal 
property, for taking, detaining, or converting personal property, for replevin 
of goods or chattels, for any tortious injury to the rights of another not 
stated in N.J.S.2A:14-2 and N.J.S.2A:14-3, or for recovery upon a contractual 
claim or liability, express or implied, not under seal, or upon an account 
other than one which concerns the trade or merchandise between merchant and 
merchant, their factors, agents and servants, shall be commenced within six 
years next after the cause of any such action shall have accrued.

���� b.��� This section shall not 
apply to any action for breach of any contract for sale governed by 
N.J.S.12A:2-725.

���� c.���� The period of time for 
the filing of a claim by a condominium association, cooperative corporation, or 
other planned real estate development association against a developer or any 
person acting through, on behalf of or at the behest of the developer under 
subsection a. of this section, shall be tolled until an election is held and 
the owners comprise a majority of the board pursuant to paragraph (3) of 
subsection a. of section 5 of P.L.1993, c.30 (C.45:22A-47), or subsection d. of 
section 2 of P.L.1979, c.157 (C.46:8B-12.1).� Any cause of action involving a 
condominium, cooperative, or other planned real estate development under the 
provisions of subsection a. of this section that has not been subject to a 
final judgment dismissing the claim as of the effective date of P.L.2021, c.379 
shall be subject to the terms of this subsection.

���� d.��� Notwithstanding the 
provisions of any law, rule, regulation or order to the contrary, the period of 
time for filing of a claim for any cause of action for any contractual 
obligation to collect on a consumer debt shall not be tolled by any subsequent 
payment of debt, acknowledgement of the debt, or promise to pay such debt, if 
such payment, acknowledgement, or promise to pay was made after the period of 
time for filing a claim, pursuant to subsection a. of this section, has 
expired.

���� As used in this section, 
�consumer debt� means debt incurred by an individual primarily for a personal, 
family, or household purpose. Consumer debt shall also include consumer credit, 
as that term is defined in section 1 of P.L.1974, c.146 (C.56:11-1), and 
medical debt, as that term is defined in section 2 of P.L.2024, c.48 
(C.56:11-57).��� 

(cf: P.L.2021, c.379, s.1).

���� 2.� This act shall take effect 
immediately, and shall apply to any cause of action filed on or after the 
effective date. 

STATEMENT

���� This bill prohibits the 
revival of time-barred claims for causes of actions for consumer debt. 

���� Under the bill, the period of 
time for filing of a claim for any cause of action for any contractual 
obligation to collect on a consumer debt cannot be paused by any subsequent 
payment of the debt, acknowledgement of the debt, or promise to pay the debt, 
if the subsequent payment, acknowledgement, or promise to pay was made after 
the statute of limitations for filing a claim, which is six years under current 
law, has expired. The bill defines �consumer debt� to mean debt incurred by an 
individual primarily for a personal, family, or household purpose, and also 
includes consumer credit and medical debt as those terms are defined under 
current law. 

���� Under State case law, consumer 
debt claims are subject to revival even after the statute of limitations has 
expired, including when a debtor makes a subsequent payment toward the debt, 
explicitly acknowledges the debt, or expresses a new promise to pay the full 
debt. See Burlington County Country Club v. Midlantic Nat. Bank South, 223 
N.J.Super. 227 (Ch.Div.1987) (stating that �a statute of limitations which 
applies to a presently existing contractual debt or obligation may be tolled by 
an acknowledgment or a promise to pay� and �if such acknowledgment or promise 
to pay is made after the statute has run, it will act to revive the debt for 
the statutory period�). This bill would eliminate the revival of consumer debt 
claims based on those circumstances. 

���� This bill is based on 
Benchmark 10 by the National Center for Access to Justice, in the 2024 
�Consumer Debt Litigation Index.�