New Jersey · Roommate money dispute

Roommate money dispute in New Jersey small claims

Ex-roommate owes you money? Recover it in small claims.

When a roommate leaves without paying their share of rent, utilities, or other agreed expenses — or when money was lent and not repaid — small claims court is an accessible option to recover. Your case turns on showing what was agreed, what was paid by each person, and what remains unpaid. A written roommate agreement or lease addendum is the strongest evidence, but texts, emails, and payment records can also establish the arrangement.

In New Jersey, small-claims cases are heard in the Small Claims Section of the Special Civil Part (Superior Court, Law Division) and you can sue for up to $5,000 (including a suit to recover a security deposit).

Good to know: Small Claims is one of three sections within the Special Civil Part Court (the others are Landlord Tenant and the regular Special Civil Part). It is formally part of the Superior Court of New Jersey, Law Division, Special Civil Part, Small Claims Section, as shown on the official complaint form. Claims over $5,000 but not more than $20,000 go to the regular Special Civil Part; claims over $20,000 go to the Civil Part of the Law Division.

Roommate money dispute: steps that matter

1. Gather your roommate agreement, lease, and any written communications about shared expenses, payments made, and what was owed.
2. Compile payment records showing what you paid and what the other person did or did not pay.
3. Send a written demand for the amount owed and keep proof you sent it.
4. File in the court for the county where the rental property is located or where the defendant currently lives.

Filing your Small Claims Complaint (Form A) filed together with a Small Claims Summons and Return of Service (Form B) in New Jersey

1. Complete the Small Claims Complaint and Summons. Fill out the Small Claims Complaint (Form A) and Small Claims Summons (Form B). Give your full name, address and telephone number; the correct name(s) and address(es) of the defendant(s), properly identified as an individual, sole proprietorship, partnership or corporation; the amount of money for which you are suing; and the reason the defendant owes you money. Do not include confidential personal identifiers (e.g., Social Security, driver's license numbers).
2. Determine the correct county (venue). File in the Office of the Special Civil Part of the county where at least one defendant lives or where the defendant's business is located. If no defendant lives or is located in New Jersey, file in the county where the cause of the complaint occurred. A list of Special Civil Part Offices is available at njcourts.gov.
3. Sign, date, and attach the filing fee or a fee-waiver request. Sign and date the completed complaint. Include the correct filing and service fees, or apply to the court to qualify as indigent so the judge may waive the filing fees. Make checks/money orders payable to 'Treasurer, State of New Jersey.'
4. Submit the complaint and summons. File by uploading the documents into the Judiciary Electronic Document Submission (JEDS) system, by mail, or in person at the appropriate Special Civil Part Office.
5. Await your court date. After filing, the court mails the complaint and summons to the defendant(s) and the plaintiff is notified of the trial date. The plaintiff must attend the trial at the time and date stated on the summons and bring all witnesses, documents, and evidence.

Filing fees: Filing and service fees are set locally and vary; confirm the current amount with the court. A fee waiver is available if you cannot afford the costs.

Deadline that applies to your roommate money dispute

A roommate money dispute is usually a contract or debt claim — unpaid shared expenses, a loan between roommates, or one roommate leaving the other holding the lease. The statute of limitations is typically the contract or debt period, starting from when the money was due or the last payment was made.

Written contract: 6 years (N.J.S.A. 2A:14-1)

Answering a lawsuit: No written answer is required in Small Claims; the defendant must appear in person at the trial on the date and time stated on the summons. Failure to appear may result in a default judgment.

Serving the defendant: After the complaint is filed, the court mails the complaint and summons to the defendant(s) (service is typically by certified and regular mail for a fee, or by personal service by a Special Civil Part Officer). The plaintiff does not serve the defendant personally.

Appeals: Either party may appeal to the Appellate Division of the Superior Court within 45 days from the date the final decision is rendered. A $250 filing fee is paid with the Notice of Appeal, plus a $300 deposit with the Clerk of the Appellate Division within 30 days; a trial transcript must also be obtained.

All New Jersey small-claims deadlines

The table below lists the filing deadlines Small Claims Section of the Special Civil Part (Superior Court, Law Division) applies by claim category. Confirm the exact rule that applies to your roommate money dispute claim with your court before relying on any figure.

New Jersey small-claims forms for your roommate money dispute case

These forms are published by the Small Claims Section of the Special Civil Part (Superior Court, Law Division). Download and complete them before filing.

• Small Claims Packet (Non-Motor Vehicle) - Complaint, Summons & Instructions (CN 10151): Complete self-help kit to start a non-motor-vehicle small claims case: includes the Small Claims Complaint (Form A), the Small Claims Summons and Return of Service (Form B), step-by-step filing instructions, and completion instructions.
• Small Claims Packet (Motor Vehicle) - Complaint, Summons & Instructions (CN 10148): Self-help kit with complaint, summons and instructions for a small claims case arising from a motor vehicle accident (use instead of the non-motor-vehicle packet for car-accident property-damage/injury claims).
• How to File for a Fee Waiver - All Courts (CN 11208): Application to ask the court to waive filing/service fees if you cannot afford them (qualify as indigent).
• Small Claims Frequently Asked Questions (CN 11482): Official Small Claims guide/FAQ explaining what can be filed, where and how to file, fees, trial, and appeals.

This page is general information, not legal advice, and CaseBySelf is not a law firm. Rules, fees, and deadlines change and vary by court: verify with the specific court where you file. Source: NJ Courts - Lawsuits $5,000 or less (Small Claims) self-help page. Last reviewed 2026-06-23.