Creditor Defense

Almonacy Law Firm

Creditor Defense

Can a creditor sue me if I owe a debt? Yes. In fact, it is quite common for creditors to file lawsuits to collect debts. In New Jersey, the lenders usually file their lawsuit in the county where you live.

New Jersey has a statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer’s debt is more than six years overdue, the lender can no longer act in order to collect the debt. There is no debtor’s prison here in New Jersey (or anywhere in the United States) where you end up if you do not pay a bill. Collection is a civil, not criminal, matter and people that end up in debt do not end up behind bars.

A judgment lien is automatically created in New Jersey when the judgment is obtained in Superior Court. Judgment liens will be associated with the debtor’s property for a total of 20 years, regardless of whether ownership of that property changes.

Almonacy Law Firm can help you negotiate certain types of debt. If bankruptcy is an option, our skilled team can help you protect your property and, in most cases, give you the fresh start you have been longing for. Don’t live in fear of arrest or anything else that you think could happen if you are unable to pay your bills or are late on payments. We have represented debtors for many years and understand the tricks used or employed by dishonest or deceitful debt collectors.
Call today for a free consultation with Almonacy Law Firm and start on a new path free of debt collectors.

Professional Legal Services

There is a reason most of clients are referral based. We take pride in our clients’ referrals and are committed to providing you with professional and compassionate counsel throughout your case.

Convenient and Accessible

For your safety and convenience, we offer phone and virtual consultations as well as same-day appointments.


The team at Almonacy Law is multilingual and serves its clients in English and Spanish.

Courtroom Experience

Pierre Almonacy, ESQ., has a proven track record inside and outside the courtroom. He has vast experience handling difficult cases with successful outcomes.


Need Advice From an Expert Lawyer?

(908) 688-5500

I was referred by a realtor agent to Almonacy as one the best attorneys in the area. He is the definition of a great attorney, and someone who negotiates on your behalf for your best interest. In addition, he will go above and beyond to help you….

Clifton S.

I will forever be grateful for helping me with my immigration case. He was always very responsive, most caring attorney I've ever had to deal with. I 100% recommend him.


Pierre is an excellent lawyer! He helped us with our case (my husband and me), I recommend him to all the entire community. He will go above and beyond for you as he did for us.


Contact Alomancy Law Firm Today

We Will Fight to Protect Your Rights

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