Legal problem in New Jersey?

Start with New Jersey, not a generic US answer.

Many everyday legal problems in the United States depend heavily on state law, state agencies, court rules and local procedure. The same type of problem can have different filing limits, notice requirements, remedies or complaint routes in another state. Keep the actual document, contract, notice or court paper you received, together with dates, payments, messages and other evidence. Choose the closest topic above so the next page can separate relevant federal rules from the New Jersey rules and official sources that may control your situation.