New Jersey Lawsuit Loans for Mass Tort, Abuse & Complex Cases
New Jersey lawsuit loans are for plaintiffs whose lawyer has filed the case or is settling it.
You can receive $500 to $250,000+, and you owe nothing if you lose.
Use our online application or a phone call to begin; we bring your lawyer in.
New Jersey Funding Law at a Glance
New Jersey hasn’t passed a law for this kind of funding. Here’s where things stand.
| State law | None in force. Bills filed in January and October 2026 would regulate funders; all sit in committee. |
| Rate cap | New Jersey sets none. |
| Cancellation window | None in force. The bills would give five business days after funding. |
| Disclosure rule | None required yet. The bills would make contracts carry set disclosures in bold type. |
| Effective date | Nothing to date. A bill takes effect only if it passes. |
| Registration | Not required at present. The bills would require registration with the Department of Banking and Insurance. |
| As of | October 24, 2026 |
Earlier versions lapsed when past sessions ended. Our table changes if one becomes law.
Do I qualify?
Yes, once your lawyer files or settles your case.
- Your lawyer takes the case, often on a contingency fee (your lawyer is paid only if you win).
- Your lawsuit is filed in New Jersey, or a settlement agreement is in progress.
- It’s a type we fund, such as a mass tort (many people hurt by the same product or exposure), abuse or civil rights case.
- The other side, such as a company, church or town, has money to pay.
People call it a lawsuit loan. It’s a non-recourse advance, not a loan: if you lose, you owe nothing.
Filed outside New Jersey? See our state guide, since the filing state decides. Your credit, income and job history play no part.
How it works
1. Apply
Start online or ring 888-335-3537. Tell us what the case is about and name your lawyer.
2. We talk to your lawyer
Your lawyer confirms the claim, who it’s against and where it stands. That’s most of our review.
3. Read the offer
We can’t quote a price here: it depends on the amount and how long the case runs. Your written offer shows the exact total before you sign.
4. Get paid
Once you’ve signed, we send the funds by wire or check. Your lawyer pays us from the settlement before passing the rest to you.
New Jersey Lawsuit Loans for Mass Tort and Abuse Claims
So many drug and device makers are based here that New Jersey runs its own system for these cases. It groups like suits into Multicounty Litigation. Each group sits in Atlantic, Bergen or Middlesex County.
Federal cases get grouped too. The talc claims against Johnson & Johnson sit in an MDL (similar federal cases grouped before one judge) in New Jersey’s federal court.
Which mass torts do we fund here?
- Talcum powder claims, grouped in Atlantic County and in the federal court.
- Hernia mesh claims in Atlantic County and pelvic mesh claims in Bergen.
- Hip and breast implant claims in Bergen County, on our medical device page.
- Other faulty product suits against the maker.
All of these sit under our mass tort funding, and everything else we take is on cases we fund.
Does the filing court matter?
Yes: the court that first received your case decides, not your address. A New Jersey filing stays fundable if the case later joins an MDL somewhere else, even one outside our 41 states. Your lawyer confirms the filing and the stage.
Is an abuse claim still on time?
A 2019 law lets survivors of childhood sexual abuse sue until 37 years after turning 18. If it’s later, they have seven years from realizing the abuse caused the harm. The law also opened a two-year lookback window (a set time when a law let old abuse claims be filed), which ran from December 1, 2019.
The same law lets survivors sue charities that acted with gross negligence or worse, which an old shield had blocked. It also dropped the usual notice rules for abuse claims against public bodies. Suits name dioceses, schools and youth groups.
Read about our sexual abuse and clergy abuse funding. Abuse claims over state youth detention centers are grouped in Middlesex County. Our detention center page has more. Suits against police and jails are on our civil rights page.
What can cut or stop an advance?
We can’t fund a claim before it’s filed. Missing a filing deadline can sink the claim, and a defendant with little to pay limits what we can offer.
New to this? Read what pre-settlement funding is, how settlement loans work and why non-recourse matters.
New Jersey Lawsuit Loan Questions
Is lawsuit funding allowed in New Jersey?
Yes. It’s lawful and widely used here, and no state law regulates it yet. Bills that would add disclosures and registration keep being filed in Trenton. Until one passes, your contract and your lawyer’s review protect you.
My case is in a Multicounty Litigation group or a federal MDL. Can I still apply?
Yes. Grouping changes the pace, not your eligibility. What counts is the court that first received your case, and a New Jersey filing stays fundable after a transfer.
Will the defense find out I took funding?
Usually not. It’s a private contract between you, your lawyer and us, and it isn’t filed with the court. A court may occasionally order it disclosed, but it gives the other side no say in your case.
What if the settlement comes in lower than expected?
We can only collect from what the case actually pays. If the settlement is smaller, our share shrinks with it. Nothing comes out of your own pocket.
Another company already funded me. Can you add more?
Possibly. If the case value leaves room, we can add to it or take over the earlier advance. Call us with the details, and we’ll check with your lawyer.
New Jersey Lawsuit Loans While Your Case Plays Out
You have the case and the lawyer. If the wait is squeezing your budget, New Jersey lawsuit loans can ease it: tell us about the claim, and your lawyer’s office can handle the paperwork with us.
A case that ends with no money costs you nothing, since the advance is non-recourse. New Jersey law can change, and your deadlines depend on your facts. This page is general information from a funder, not legal advice.
Sources
State and federal sources, checked October 24, 2026. Ask your lawyer how they fit your case.
- Consumer Legal Funding Act, Senate Bill S2315 (2026-27), New Jersey Legislature.
- Child sexual abuse time limits and lookback window, P.L.2019, c.120, New Jersey Legislature.
- Multicounty Litigation list by county, New Jersey Courts.
- Pending MDL dockets by number, October 1, 2026 (talc MDL 2738), JPML, the federal panel that groups MDLs.