Does pre-settlement funding affect my credit score?

No. These transactions are not traditional loans, so we do not pull your credit report and we do not report to credit bureaus. Your credit history is irrelevant to whether you qualify, and your credit score is unaffected by applying or receiving funding.

What happens if my case settles for less than expected?

You owe only what your net settlement proceeds cover. Net proceeds means your total settlement minus attorney fees and any existing medical or other liens. If the remaining amount is less than your total payoff to the funding company, the funding company absorbs the difference. You cannot be pursued for any balance beyond what your settlement provides.

What if I have a funding advance from another company already?

Additional advances on the same case, sometimes called stacking, are possible but evaluated carefully. We review the existing lien and the remaining expected net recovery before determining whether additional funding is feasible. This is more complex than a first advance and may not always be available.

Will the defense attorney find out I received funding?

This is an unresolved legal question in New Jersey. Several state legislators raised discoverability concerns during the Senate Commerce Committee review of S1475. New Jersey courts have not yet established a uniform rule. Some attorneys structure funding arrangements to minimize this risk; others treat it as a non-issue given the non-recourse nature of the transaction. Discuss this with your attorney before applying if it concerns you.

How does my auto policy type affect eligibility?

If you hold an Unlimited Right to Sue policy, you can pursue a third-party lawsuit and potentially qualify for pre-settlement funding regardless of injury severity. If you hold a Limited Right to Sue policy, you need to meet New Jersey's verbal threshold, meaning your medical records must document a qualifying permanent injury certified by your treating physician. Ask your attorney which policy you have before applying.

Do New Jersey workers' compensation cases qualify?

Standalone workers' compensation administrative claims in New Jersey typically do not qualify because the recovery is structured through a separate process with different rules. If your workplace injury also involves a lawsuit against a negligent third party, such as a subcontractor on a job site or the manufacturer of defective equipment, that separate civil claim may qualify for pre-settlement funding.

How quickly can I get funded?

Most approvals are completed within 24 to 48 hours of receiving complete information from your attorney. Cases with complex liability or multiple defendants may take longer. There is no obligation to accept a funding offer after you receive one.

What if my lawsuit hasn't been filed yet?

Some funding companies require a formally filed lawsuit. ECO evaluates pre-litigation situations where an attorney is actively involved, liability is clear, and negotiations with the insurer are ongoing. Call 800-961-8924 to discuss whether your specific situation qualifies.

Should I borrow the maximum amount I qualify for?

No. Borrow only what you genuinely need to cover essential expenses. The more you borrow, the more your repayment will consume from your final settlement. Over-borrowing is one of the most common mistakes plaintiffs make with pre-settlement funding. A legitimate funding company will tell you this directly.

Do I need my attorney's permission to apply?

Attorneys do not have legal authority to prevent you from applying. However, their cooperation is necessary for the verification process, and their informed opinion on your case timeline is valuable input for your decision. Talk to your attorney before applying.

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New Jersey Pre-Settlement Funding

Get money now against your pending New Jersey personal injury case.

Waiting on an injury settlement in New Jersey can stretch for months. Pre-settlement funding puts cash in your pocket now against a pending personal injury claim, so bills do not pile up while the case works through court. You repay only if you win or settle; lose at trial and the obligation goes away.

Reviewed by Johnny Cavalli, Founder, ECO Pre-Settlement Funding · Last reviewed September 24, 2026

✓ Repay $0 If You Lose

✓ $500 to $250,000+

✓ No Credit Check

✓ 24-48 Hr Funding

Apply For Pre-settlement Funding

Injury Claims in New Jersey: What Plaintiffs Should Know

606traffic fatalities2023 · FHWA State Highway Safety Report

2,942serious injuries2023 · FHWA State Highway Safety Report

574fatal crashes2023 · nj.gov

Crashes and injuries in New Jersey

New Jersey’s crash record shows 606 traffic fatalities, 2,942 serious injuries and 574 fatal crashes in 2023. Newark (Essex County), Jersey City (Hudson County) and their suburbs generate a large share. For many of those plaintiffs, bills pile up well before the case is resolved.

Sources: official New Jersey crash data and NHTSA. See the citations at the foot of this page.

New Jersey courts and venues

New Jersey injury suits concentrate around Newark (Essex County), Jersey City (Hudson County), Paterson. Personal injury actions proceed in the Superior Court, Law Division in New Jersey. Local court pace differs, so two similar claims can resolve on very different timelines.

What New Jersey law means for your claim

Put simply, New Jersey is a choice no-fault state: whether you can sue for pain and suffering depends on the tort option on your policy. That single election, made long before any crash, can decide how much your New Jersey claim is ultimately worth.

New Jersey applies modified comparative negligence with a 51% bar. Cross that line and recovery is barred; stay under it and damages simply fall by your fault percentage. That math feeds straight into a New Jersey advance. And because New Jersey’s filing deadline for most injury claims is 2 years, an approaching deadline is a common reason to line up counsel and funding early.

Deadlines that shape a New Jersey claim

The main New Jersey deadline is 2 years; malpractice claims follow 2 years from discovery (no repose), and wrongful death is 2 years from death. In New Jersey, letting the deadline pass usually forecloses the claim, so confirm it with counsel. An advance is possible only against a live, timely filing.

What this means for your New Jersey advance

An advance is a slice of your expected recovery, usually 10 to 20 percent of net case value, so everything above feeds directly into what a New Jersey plaintiff can be offered. New Jersey sets bodily-injury minimums at $35,000 per person, so a low-limit policy can limit recovery, and we factor that into the offer. See how personal injury advances work for the mechanics. Applying costs nothing, and if your New Jersey claim recovers nothing, you owe nothing.

ECO serves New Jersey plaintiffs statewide from our Rutherford office, and works with attorneys in every county.

Qualifying for Funding in New Jersey

To fund a New Jersey case we need three things: a live injury claim, a contingency-fee attorney, and time left on New Jersey’s 2 years deadline. Approval turns on the case, not your credit. More on who qualifies.

Open New Jersey Case

An open personal injury claim filed in New Jersey’s Superior Court, Law Division. We fund plaintiffs across all 21 counties.

New Jersey Attorney on Contingency

Representation by a New Jersey-barred lawyer working on contingency. We deal with your firm on the funding, not you.

Underwritable Case Facts

We underwrite the strength of the New Jersey claim, clear fault and real damages, rather than your finances. No credit check.

New Jersey Case Types We Fund

These are the New Jersey injury cases we advance on most often; each card links to details.

Auto Accidents

Car, truck, motorcycle and rideshare collisions across Newark (Essex County) and the rest of New Jersey.

Medical Malpractice

Misdiagnosis, surgical and birth-injury claims against New Jersey providers.

Premises & Slip and Fall

Injuries on someone else’s New Jersey property, from wet floors to poor lighting. Premises liability.

Workplace & Construction

Construction and industrial injuries in New Jersey beyond the workers comp system.

Wrongful Death

Family claims when a New Jersey injury turns fatal.

Catastrophic Injury

Brain, spinal and severe-burn cases.

Get your New Jersey funding decision in 24 hours

Get Started

Or call us toll-free at (800) 961-8924.

New Jersey Pre-Settlement Funding Laws and Regulations

New Jersey’s injury rules shape every funding decision, from the filing deadline to the negligence rule that sets case value. Verify dates and fault percentages with your attorney before relying on anything below.

Statute of Limitations for Personal Injury

General negligence: 2 years ^[1]
Medical malpractice: 2 years from discovery (no repose)
Wrongful death: 2 years from death

Confirm the exact New Jersey deadline for your claim type with your attorney; claims against government bodies can run on far shorter notice periods.

Minimum Mandatory Auto Policy Limits

Bodily Injury Liability: $35,000 per person / $70,000 per accident ^[2]
Property Damage Liability: $25,000
Personal Injury Protection (PIP): $15,000 PIP (Standard policy; up to $250,000)

New Jersey is a choice no-fault state; your tort rights follow your policy option. Uninsured-motorist coverage is offered and can usually be added.

Negligence Rule

Modified comparative (51% bar)
This rule decides how shared fault changes what you recover in New Jersey.

In New Jersey, this is why liability evidence drives the advance amount.

The New Jersey Funding Process Step by Step

From application to deposit, most New Jersey files run 24 to 48 hours. Read how it works.

Submit Your Case

Start the New Jersey form above or call (800) 961-8924; a few minutes is all it takes.

Attorney Verification

An underwriter reviews liability and damages with your New Jersey attorney. Most decisions arrive within one business day.

Funds Released

On approval, money goes out by ACH or wire, typically within 24 to 48 hours.

Common Questions From New Jersey Plaintiffs

Does New Jersey’s PIP or injury threshold affect whether I can get funding?

It affects timing, not eligibility. In New Jersey, PIP pays your first medical costs, and your claim against the at-fault driver opens once your injuries meet the state threshold. As soon as that liability claim is active and your attorney can value it, we can review your New Jersey case for an advance.

What happens to my advance if I’m 30% at fault in New Jersey?

At 30 percent you are under New Jersey’s 51-percent bar, so you still recover, with your award cut by 30 percent. We build that reduction into the advance, which is why an early, realistic fault estimate from your New Jersey attorney helps us offer the right amount.

How much can I get on a New Jersey car accident case?

Advances typically run 10 to 20 percent of expected recovery, from $500 to $250,000+. With New Jersey’s minimum bodily-injury limits at $35,000 per person, a small policy can cap value, so we anchor the advance to your attorney’s projected settlement rather than a flat number.

Do I have to live in New Jersey to qualify?

You need a case filed in New Jersey, not a New Jersey address. Plenty of clients live out of state while their New Jersey claim proceeds; we work through their attorney either way.

Submit your New Jersey lawsuit funding request