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Welcome, New Jersey users of Nolo's

How to File for Chapter 7 Bankruptcy

How to File for Chapter 7 Bankruptcy
LegalConsumer.com helps you find local information and services to help you file for bankruptcy.

If you don't own the book, you can still use this site and the free means test calculator.

Don't own a copy?

Learn more...

Albin Renauer, the operator of LegalConsumer.com and the Means Test Calculator, is also a coauthor of Nolo's How to File for Chapter 7 Bankruptcy.

How to File for Chapter 7 Bankruptcy provides clear, user-friendly information and all the forms you need to get through the entire bankruptcy process. The book and the local resources you'll find on LegalConsumer.com are a perfect combination. The book is designed to work with LegalConsumer.com's means test calculator and lists of New Jersey exemption laws, which determine what property you'd get to keep in bankruptcy.

The book covers the entire process, and gives you the line-by-line instructions you need to fill out the required Chapter 7 bankruptcy forms. Meanwhile, this website gives you access to the latest local court information and county standards for the means test calculations that you must do to file a sucessful bankruptcy petition.

But first, use the book to find out whether you qualify for Chapter 7 -- and whether or not it's the best way to deal with your debts. It's important to learn what bankruptcy cannot do. You don't want to go to all the trouble of filing bankruptcy only to find out that the it won't help solve your particular problem or kind of debt. The book clearly explains what doesn't bankruptc yan and cannot do.

If you do decide Chapter 7 bankruptcy is the right option, you'll learn how you can use it to:

  • cancel as much debt as possible
  • stop wage garnishments and attachments
  • keep the maximum amount of property using New Jersey exemption laws
  • deal with secured debts and liens on your property
  • keep your home and car, if possible.

If you think you want to file for bankruptcy but aren't sure you can afford to hire an attorney, How to File for Chapter 7 Bankruptcy will help you learn what it takes to complete your bankruptcy petition on your own and complete the bankruptcy process.

You'll also learn how to rebuild your credit rating after bankruptcy.

How to File for Chapter 7 Bankruptcy doe s not cover business bankruptcies, farm reorganizations (Chapter 12) or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's  Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time.

"Clear instructions on when and how to fill out the necessary forms."
-Forbes

"Exceptionally clear…"
-The New York Times

"A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
-Newsweek


Press Reviews

"Exceptionally clear."
The New York Times
"How to File for Chapter 7 Bankruptcy advises on everything from how to file court papers to how to respond to threats from creditors.... A do-it-yourself bankruptcy book for people who can’t afford expensive lawyers."
Newsweek
"An in-depth guide to filing under Chapter 7, including state-by-state and federal exemptions as well as forms for do-it-yourself filers."
Kiplinger’s Personal Finance Magazine
"Can help you decide if bankruptcy is the right option for you."
Detroit News
"A valuable, easy-to-understand workbook."
Los Angeles Times
"Includes clear instructions on when and how to fill out all the necessary forms, which assets you may legally keep, even advice on whether your case is complicated enough to make it worth your while to hire a lawyer."
Forbes
"The best [bankruptcy books] I know are published by Nolo."
Harry S. Gross, host of
“Speaking of Your Money”
"Covers all the recent changes to the bankruptcy law, and shows you how to get through the entire process with the least damage."
Accounting Today

Customer Review

"I bit the bullet, and purchased Nolo's How to File Chapter 7 Bankruptcy. I represented myself in court and I was granted a discharge of all debts five months later."
Danielle A.,
Richmond, VA
Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Filing Chapter 13 bankruptcy lets you cut down debts and keep valuable assets.

If you're considering Chapter 13 bankruptcy, which lets you wipe out some of your debt and pay back the rest over time, use this plain-English guide to decide whether or not it's right for you.

Nolo's Chapter 13 Bankruptcy breaks down the Chapter 13 process and provides clear explanations of the law. First, you can:

  • consider nonbankruptcy alternatives for solving your debt problems
  • decide which is better for you -- Chapter 7 or Chapter 13
  • determine whether you qualify for Chapter 13 bankruptcy

Then, delve deeper into Chapter 13 and find out:

  • how filing bankruptcy stops creditors instantly (the "automatic stay")
  • how Chapter 13 can help you avoid foreclosure
  • whether you can reduce your car loan balance, or the balance on other secured debts
  • whether you can get rid of second mortgages or home equity debt

If you think Chapter 13 bankruptcy could work for you, you'll be ready to:

  • determine (with the book's forms and step-by-step instructions) whether you have enough income to come up with a repayment plan that the court will approve
  • calculate the amount of your monthly plan payment
  • find and work effectively with an excellent lawyer, and
  • rebuild your credit after bankruptcy.

This newest edition includes new information on hiring and working with a lawyer, recent court rulings that interpret the federal bankruptcy laws. You'll also find the atest bankruptcy exemption laws in your state, which determine what copy you can keep, and recent IRS standard expense amounts, which affect Chapter 13 plan payments.

For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy. If you own your own business and are considering Chapter 7 bankruptcy, see Nolo's Bankruptcy for Small Business Owners.

"An excellent book that can guide you through the process."
-Forbes

"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
-Attorney Gary Klein, Coauthor of Consumer Bankruptcy Law and Practice

"An excellent resource …"
-Consumers Digest


Press Reviews

"In Nolo’s usual thorough fashion, here is a guide to an alternative to the typical Chapter 7 Bankruptcy."
Orange County Register
"An excellent book that can guide you through the [Chapter 13] process."
Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion."
The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process."
Attorney Gary Klein,
co-author of Consumer Bankruptcy Law and Practice
"An excellent resource..."
Consumers Digest
"Contains many tear-out forms, federal and state exemptions charts, and the most recent legal documents and instructions on how to fill them out. "
Reference & Research Book News

 

The New Bankruptcy

The New Bankruptcy

If you're feeling overwhelmed by debt, you may be considering bankruptcy. But is filing bankruptcy the right solution for you and your family? Find out with this plain-English book.

The New Bankruptcy provides the strategies, clear-cut answers, and information and you need to figure out whether bankruptcy can help solve your debt problems. Find out:

  • the differences between Chapter 7 and Chapter 13 bankruptcy
  • whether or not you qualify for Chapter 7 bankruptcy
  • how Chapter 13 repayment plans work
  • which debts are wiped out
  • how bankruptcy affects homeowners
  • whether you'll be able to keep cars and other assets
  • how bankruptcy affects your credit score
  • other ways to handle your debt problems

The latest edition of The New Bankruptcy includes updated lists of assets you can keep (exemptions) when you file bankruptcy, plus the latest rules handed down by the Supreme Court as it interprets the federal bankruptcy law. You'll also get worksheets to help you determine whether you can file for bankruptcy, helpful checklists, and easy-to-understand information for all 50 states.

"Authoritative, comprehensive and packed with helpful advice and useful information, including state-specific details."
-Eric Tyson, Author of Personal Finance For Dummies

"…it's important to know whether [bankruptcy] remains a viable option, and this book will offer both explanations and reassurances…"
-Accounting Today


Bankruptcy Calculators for Other States:

If you don't know your zip code, look for your city, or click on your state if you don't see your city.

  1. Aberdeen - 18,210
  2. Absecon - 8,411
  3. Allamuchy-Panther Valley - 3,125
  4. Allendale - 6,505
  5. Allenhurst - 496
  6. Allentown - 1,828
  7. Allenwood - 925
  1. Alloway - 3,467
  2. Alpha - 2,369
  3. Alpine - 1,849
  4. Andover - 606
  5. Annandale - 1,695
  6. Asbury - 273
  1. Asbury Park - 16,116
  2. Ashland - 8,302
  3. ATCO - 14,299
  4. Atlantic City - 39,558
  5. Atlantic Highlands - 4,385
  6. Audubon - 8,819
  1. Audubon Park - 1,023
  2. AUGUSTA - 843
  3. Avalon - 1,334
  4. Avenel - 17,011
  5. AVON BY THE SEA - 2,244
  6. Avon-by-the-Sea - 1,901
  1. Barnegat - 2,817
  2. Barnegat Light - 574
  3. BARNEGAT LIGHT BORO - 764
  4. Barnegat township - 20,936
  5. Barrington - 6,983
  6. Basking Ridge - 26,975
  7. BATSTO - 22,461
  8. Bay Head - 968
  9. Bayonne - 63,024
  10. BAYVILLE - 17,148
  11. Beach Haven - 1,170
  12. Beach Haven West - 3,896
  13. Beachwood - 11,045
  14. Bedminster - 8,165
  15. Belford - 1,768
  1. BELLE MEAD - 216
  2. Belleplain - 597
  3. Belleville - 35,926
  4. Bellmawr - 11,583
  5. Belmar - 5,794
  6. Belvidere - 2,681
  7. Bergenfield - 26,764
  8. Berkeley Heights - 13,183
  9. Berkeley township - 41,255
  10. Berlin - 7,588
  11. Berlin Township - 5,357
  12. Bernardsville - 7,707
  13. Beverly - 2,577
  14. BIRMINGHAM - 57
  15. Blackwood - 4,545
  1. BLAIRSTOWN - 5,967
  2. Bloomfield - 47,315
  3. Bloomingdale - 7,656
  4. Bloomsbury - 870
  5. Bogota - 8,187
  6. Boonton - 8,347
  7. Boonton township - 4,263
  8. Bordentown - 3,924
  9. Bound Brook - 10,402
  10. Bradley Beach - 4,298
  11. Branchburg - 14,459
  12. Branchville - 841
  13. Brick - 75,072
  14. BRIDGEPORT - 635
  15. Bridgeton - 25,349
  1. Bridgewater - 44,464
  2. Brielle - 4,774
  3. Brigantine - 9,450
  4. BROOKDALE - 9,239
  5. Brooklawn - 1,955
  6. Browns Mills - 11,223
  7. Budd Lake - 8,968
  8. Buena - 4,603
  9. Buena Vista township - 7,570
  10. BURLEIGH - 725
  11. Burlington - 9,920
  12. Burlington township - 22,594
  13. Butler - 7,539
  14. Byram township - 8,350
  1. Caldwell - 7,822
  2. Califon - 1,076
  3. Camden - 77,344
  4. Cape May - 3,607
  5. Cape May Court House - 5,338
  6. Cape May Point - 291
  7. Carlstadt - 6,127
  8. Carneys Point - 8,049
  9. Carneys Point Township - 8,049
  10. Carteret - 22,844
  11. Cedar Grove - 12,411
  12. CEDAR KNOLLS - 3,163
  1. Cedarville - 776
  2. Chatham - 8,962
  3. CHATSWORTH - 883
  4. Cherry Hill - 71,045
  5. Chesilhurst - 1,634
  6. Chester - 1,649
  7. CHESTERFIELD - 7,699
  8. Chesterfield township - 7,699
  9. CINNAMINSON - 15,569
  10. Cinnaminson Township - 15,569
  11. Clark - 14,756
  12. CLARKSBORO - 2,234
  1. CLARKSBURG - 2,128
  2. Clayton - 8,179
  3. Clementon - 5,000
  4. Cliffside Park - 23,594
  5. CLIFFWOOD - 2,573
  6. Cliffwood Beach - 3,194
  7. Clifton - 84,136
  8. Clinton - 2,719
  9. Closter - 8,373
  10. Collings Lakes - 1,706
  11. Collingswood - 13,926
  1. Colonia - 17,795
  2. Colts Neck - 10,142
  3. COLUMBIA - 229
  4. COLUMBUS - 5,735
  5. COOKSTOWN - 1,133
  6. Corbin City - 492
  7. Cranbury - 3,857
  8. Cranford - 22,625
  9. CREAM RIDGE - 3,096
  10. Cresskill - 8,573
  11. CROSSWICKS - 290
  1. Dayton - 7,063
  2. Deal - 750
  3. DEEPWATER - 345
  4. Deerfield - 3,119
  5. DEERFIELD STREET - 147
  1. DELANCO - 4,283
  2. Delanco Township - 4,283
  3. DELAWARE - 4,563
  4. DELAWARE PARK - 700
  5. DELMONT - 1,986
  1. DELRAN - 16,896
  2. Delran Township - 16,896
  3. Demarest - 4,881
  4. Denville - 16,635
  5. Deptford township - 30,561
  1. DORCHESTER - 283
  2. DOROTHY - 1,180
  3. Dover - 18,157
  4. Dumont - 17,479
  5. Dunellen - 7,227
  1. East Windsor - 27,190
  2. EASTAMPTON - 6,069
  3. Eastampton Township - 6,069
  4. Eatontown - 12,709
  5. Echelon - 10,743
  6. Edgewater - 11,513
  7. Edgewater Park - 8,881
  8. Edison - 99,967
  9. Egg Harbor City - 4,243
  1. Egg Harbor township - 43,323
  2. Elizabeth - 124,969
  3. ELLISBURG - 4,413
  4. Elmer - 1,395
  5. Elmwood Park - 19,403
  6. Elwood - 1,437
  7. Elwood-Magnolia - 1,392
  8. Emerson - 7,401
  9. Englewood - 27,147
  1. Englewood Cliffs - 5,281
  2. Englishtown - 1,847
  3. Erlton-Ellisburg - 8,168
  4. Erma - 2,134
  5. Essex Fells - 2,113
  6. Estell Manor - 1,735
  7. Evesham township - 45,538
  8. Ewing - 35,790
  9. Ewing township - 35,790
  1. Fair Haven - 6,121
  2. Fair Lawn - 32,457
  3. Fairfield - 6,295
  4. Fairton - 1,264
  5. Fairview - 13,835
  6. Fairview - 13,835
  7. Fanwood - 7,318
  8. Far Hills - 919
  1. Farmingdale - 1,329
  2. Fieldsboro - 540
  3. FINDERNE - 5,600
  4. FLAGTOWN - 307
  5. FLANDERS - 12,217
  6. Flemington - 4,581
  7. FLORENCE - 12,109
  8. Florence-Roebling - 8,200
  1. Florham Park - 11,696
  2. Folsom - 1,885
  3. Fords - 15,187
  4. Forked River - 5,244
  5. Fort Dix - 7,716
  6. FORT HANCOCK - 5,214
  7. Fort Lee - 35,345
  8. FORT MONMOUTH - 439
  1. FORTESCUE - 233
  2. Franklin - 16,820
  3. Franklin Lakes - 10,590
  4. FRANKLIN PARK - 13,295
  5. FRANKLINVILLE - 9,357
  6. Fredon township - 3,437
  7. Freehold - 12,052
  8. Frenchtown - 1,373
  1. Galloway township - 37,349
  2. Garfield - 30,487
  3. Garwood - 4,226
  4. Gibbsboro - 2,274
  5. Gibbstown - 3,739
  6. GILLETTE - 3,278
  7. GLADSTONE - 1,482
  1. Glassboro - 18,579
  2. Glen Gardner - 1,704
  3. Glen Ridge - 7,527
  4. Glen Rock - 11,601
  5. Glendora - 4,750
  6. GLENWOOD - 2,751
  1. GREEN VILLAGE - 515
  2. GREENWICH - 2,755
  3. GRENLOCH - 399
  4. GREYSTONE PARK - 17,181
  5. GROVEVILLE - 2,945
  6. Guttenberg - 11,176
  1. Hackensack - 43,010
  2. Hackettstown - 9,724
  3. Haddon Heights - 7,473
  4. Haddon township - 14,707
  5. Haddonfield - 11,593
  6. HAINESPORT - 229
  7. Hainesport township - 6,110
  8. Haledon - 8,318
  9. Hamburg - 3,277
  10. Hamilton - 26,503
  11. HAMILTON SQUARE - 12,784
  12. Hamilton Township - 88,464
  1. HASKELL - 4,767
  2. Haworth - 3,382
  3. Hawthorne - 18,791
  4. Hazlet - 20,334
  5. HEISLERVILLE - 451
  6. Helmetta - 2,178
  7. HEWITT - 7,639
  8. HIBERNIA - 93
  9. High Bridge - 3,648
  10. HIGHLAND LAKES - 7,177
  11. Highland Park - 13,982
  1. Highlands - 5,005
  2. Hightstown - 5,494
  3. Hillsdale - 10,219
  4. Hillside - 21,404
  5. HO HO KUS - 4,060
  6. Hoboken - 50,005
  7. Holmdel - 16,773
  8. Hopatcong - 15,147
  9. Hopewell - 4,571
  10. Hopewell township - 17,304
  11. Howell - 51,075
  1. Irvington - 53,926
  1. Iselin - 18,695
  1. Jackson - 54,392
  2. Jackson township - 54,856
  1. Jersey City - 247,597
  2. JOBSTOWN - 877
  1. Keansburg - 10,105
  2. Kearny - 40,684
  3. KEASBEY - 3,018
  1. Kendall Park - 9,339
  2. Kenilworth - 7,914
  1. KENVIL - 3,009
  2. Keyport - 7,240
  1. Kingston - 1,493
  2. Kinnelon - 10,248
  1. Lacey township - 27,644
  2. Lafayette - 2,538
  3. LAKE COMO - 1,759
  4. LAKE HIAWATHA - 9,320
  5. LAKE HOPATCONG - 7,086
  6. Lakehurst - 2,654
  7. LAKEHURST NAEC - 15,807
  8. Lakewood - 92,843
  9. Lambertville - 3,906
  10. LANDING - 6,827
  11. LANDISVILLE - 1,280
  12. LANOKA HARBOR - 7,361
  13. Laurel Lake - 2,989
  1. Laurel Springs - 1,908
  2. Laurence Harbor - 6,536
  3. Lavallette - 1,875
  4. Lawnside - 2,945
  5. Lawrence - 3,290
  6. Lawrence township - 33,472
  7. Lawrenceville - 3,887
  8. LAYTON - 250
  9. Lebanon - 1,358
  10. LEDGEWOOD - 2,558
  11. LEESBURG - 2,666
  12. Leonardo - 2,757
  1. Leonia - 8,937
  2. Lincoln Park - 10,521
  3. Lincroft - 6,135
  4. Linden - 40,499
  5. Lindenwold - 17,613
  6. Linwood - 7,092
  7. Little Egg Harbor - 20,065
  8. Little Falls - 14,432
  9. Little Ferry - 10,626
  10. Little Silver - 5,950
  11. Livingston - 29,366
  12. Loch Arbour - 194
  1. Lodi - 24,136
  2. LOGAN - 6,042
  3. Logan Township - 6,042
  4. LONG BEACH - 7,792
  5. Long Beach township - 3,051
  6. Long Branch - 30,719
  7. Long Valley - 1,879
  8. Longport - 895
  9. Lopatcong - 8,014
  10. LUMBERTON - 663
  11. Lumberton township - 12,559
  12. Lyndhurst - 20,554
  1. Madison - 15,845
  2. Magnolia - 4,341
  3. Mahwah - 25,890
  4. MALAGA - 1,476
  5. Manahawkin - 2,303
  6. Manalapan - 38,872
  7. Manasquan - 5,897
  8. MANCHESTER - 15,807
  9. Manchester township - 43,070
  10. MANNINGTON - 1,806
  11. Mannington township - 1,806
  12. Mansfield - 8,544
  13. Mantoloking - 296
  14. Mantua - 15,217
  15. Manville - 10,344
  16. Maple Shade - 19,131
  17. Maplewood - 23,867
  18. Margate City - 6,354
  19. Marlboro - 40,191
  20. Marlton - 10,133
  1. Marmora - 4,125
  2. MARTINSVILLE - 11,980
  3. Matawan - 8,810
  4. MAURICETOWN - 162
  5. Mays Landing - 2,135
  6. Maywood - 9,555
  7. MC AFEE - 127
  8. MC GUIRE AFB - 6,849
  9. Medford - 23,033
  10. Medford Lakes - 4,146
  11. Mendham - 4,981
  12. MERCERVILLE - 13,230
  13. Mercerville-Hamilton Square - 26,419
  14. Merchantville - 3,821
  15. Metuchen - 13,574
  16. MICKLETON - 2,469
  17. MIDDLEBUSH - 2,326
  18. Middlesex - 13,635
  19. Middletown - 66,522
  20. Midland Park - 7,128
  1. Milford - 1,233
  2. Millburn - 20,149
  3. MILLINGTON - 3,000
  4. Millstone - 10,566
  5. Millstone township - 10,566
  6. Milltown - 6,893
  7. Millville - 28,400
  8. MILMAY - 872
  9. Mine Hill - 3,651
  10. MINOTOLA - 2,042
  11. Monmouth Beach - 3,279
  12. Monmouth Junction - 2,887
  13. Monroe - 36,129
  14. Monroe township - 39,132
  15. MONROEVILLE - 4,596
  16. Montague - 3,847
  17. Montclair - 37,669
  18. Montgomery - 22,254
  19. Montvale - 7,844
  1. National Park - 3,036
  2. Navesink - 2,020
  3. Neptune - 27,935
  4. Neptune City - 4,869
  5. NESHANIC STATION - 12,241
  6. Netcong - 3,232
  7. New Brunswick - 55,181
  8. New Egypt - 2,512
  9. New Gretna - 573
  1. NEW LISBON - 197
  2. New Milford - 16,341
  3. New Providence - 12,171
  4. NEW VERNON - 729
  5. Newark - 277,140
  6. Newfield - 1,553
  7. NEWFOUNDLAND - 2,155
  8. NEWPORT - 834
  1. North Hanover - 7,678
  2. North Middletown - 3,295
  3. North Plainfield - 21,936
  4. North Wildwood - 4,041
  5. Northfield - 8,624
  6. Northvale - 4,640
  7. Norwood - 5,711
  8. Nutley - 28,370
  1. OAK RIDGE - 11,901
  2. Oak Valley - 3,483
  3. Oakhurst - 3,995
  4. Oakland - 12,754
  5. Oaklyn - 4,038
  1. Ocean - 27,291
  2. Ocean City - 11,701
  3. Ocean Gate - 2,011
  4. Ocean Grove - 3,342
  5. Ocean View - 5,599
  1. Oceanport - 5,832
  2. Ogdensburg - 2,410
  3. Old Bridge - 65,375
  4. Old Tappan - 5,750
  1. OLDWICK - 177
  2. Oradell - 7,978
  3. Orange - 32,868
  4. Oxford - 2,514
  1. Palisades Park - 19,622
  2. Palmyra - 7,398
  3. PARADISE LAKES - 460
  4. Paramus - 26,342
  5. Park Ridge - 8,645
  6. PARLIN - 20,129
  7. Parsippany - 29,305
  8. Passaic - 69,781
  9. Paterson - 146,199
  10. Paulsboro - 6,097
  11. PEAPACK - 814
  12. PEDRICKTOWN - 524
  13. Pemberton - 1,409
  1. Pennington - 2,585
  2. Penns Grove - 5,147
  3. Pennsauken - 35,885
  4. Pennsville - 13,409
  5. PEQUANNOCK - 4,661
  6. Pequannock township - 15,540
  7. PERRINEVILLE - 2,073
  8. Perth Amboy - 50,814
  9. Phillipsburg - 14,950
  10. Pilesgrove township - 4,016
  11. Pine Beach - 2,127
  12. PINE BROOK - 5,207
  13. Pine Hill - 10,233
  1. Pine Valley - 12
  2. Piscataway - 56,044
  3. Pitman - 9,011
  4. PITTSGROVE - 9,393
  5. Pittsgrove township - 9,393
  6. PITTSTOWN - 4,384
  7. Plainfield - 49,808
  8. Plainsboro - 22,999
  9. Pleasantville - 20,249
  10. PLUMSTED - 8,421
  11. Plumsted township - 8,421
  12. Point Pleasant - 18,392
  13. Point Pleasant Beach - 4,665
  1. QUINTON - 2,666
        1. Rahway - 27,346
        2. Ramsey - 14,473
        3. RANCOCAS - 265
        4. Randolph - 25,734
        5. Raritan - 22,185
        6. Red Bank - 12,206
        7. RICHLAND - 743
        8. RICHWOOD - 3,459
        9. Ridgefield - 11,032
        1. Ridgefield Park - 12,729
        2. Ridgewood - 24,958
        3. RINGOES - 5,082
        4. Ringwood - 12,228
        5. Rio Grande - 2,670
        6. River Edge - 11,340
        7. River Vale - 9,659
        8. Riverdale - 3,559
        9. Riverside - 8,079
        1. Riverton - 2,779
        2. ROBBINSVILLE - 13,642
        3. Rochelle Park - 5,530
        4. Rockaway - 6,438
        5. Rockleigh - 531
        6. Rocky Hill - 682
        7. ROEBLING - 3,715
        8. Roosevelt - 882
        1. Roseland - 5,819
        2. Roselle - 21,085
        3. Roselle Park - 13,297
        4. Rosenhayn - 1,098
        5. Roxbury township - 23,324
        6. Rumson - 7,122
        7. Runnemede - 8,468
        8. Rutherford - 18,061
        1. Saddle Brook - 13,659
        2. Saddle River - 3,152
        3. Salem - 5,146
        4. Sandyston - 1,998
        5. Sayreville - 42,704
        6. Scotch Plains - 23,510
        7. Sea Bright - 1,412
        8. Sea Girt - 1,828
        9. Sea Isle City - 2,114
        10. Seaside Heights - 2,887
        11. Seaside Park - 1,579
        12. Secaucus - 16,264
        13. Sewaren - 2,756
        14. Sewell - 37,433
        15. SHAMONG - 6,490
        16. Shamong Township - 6,490
        1. Shark River Hills - 3,697
        2. Shiloh - 516
        3. Ship Bottom - 1,156
        4. SHORT HILLS - 13,165
        5. Shrewsbury - 3,809
        6. Shrewsbury township - 1,141
        7. Sicklerville - 50,589
        8. SILVER LAKE - 4,243
        9. SINGAC - 3,618
        10. SKILLMAN - 242
        11. SMITHVILLE - 7,242
        12. Somerdale - 5,151
        13. Somers Point - 10,795
        14. Somerset - 22,083
        15. Somerville - 12,098
        16. South Amboy - 8,631
        1. Stanhope - 3,610
        2. Stewartsville - 349
        3. STIRLING - 2,499
        4. STOCKHOLM - 3,602
        5. Stockton - 538
        6. Stone Harbor - 866
        7. Stratford - 7,040
        8. Strathmere - 158
        9. Strathmore - 7,258
        10. SUCCASUNNA - 9,152
        11. Succasunna-Kenvil - 12,569
        12. Summit - 21,457
        13. Surf City - 1,205
        14. Sussex - 2,130
        15. Swedesboro - 2,584
        1. Tabernacle - 6,949
        2. TABOR - 774
        3. Tavistock - 5
        4. Teaneck - 39,776
        5. Tenafly - 14,488
        1. Tinton Falls - 17,892
        2. TITUSVILLE - 3,468
        3. Toms River - 91,239
        4. Totowa - 10,804
        1. TOWACO - 4,723
        2. Trenton - 84,913
        3. Tuckerton - 3,347
        4. Turnersville - 3,742
        1. VAUXHALL - 3,411
        2. Ventnor City - 10,650
        3. Vernon - 23,943
        1. Verona - 13,332
        2. Victory Gardens - 1,520
        3. Villas - 9,483
        1. Vincentown - 24,664
        2. Vineland - 60,724
        1. Waldwick - 9,625
        2. WALL - 21,697
        3. Wall Township - 26,164
        4. Wallington - 11,335
        5. Wanamassa - 4,532
        6. Wanaque - 11,116
        7. Wantage - 11,358
        8. Waretown - 1,569
        9. Warren - 15,311
        10. Washington - 9,102
        11. Washington Township - 8,938
        12. Watchung - 5,801
        13. WATERFORD - 3,979
        14. Waterford township - 10,649
        15. WATERFORD WORKS - 3,979
        16. Wayne - 54,717
        17. Weehawken - 12,554
        1. Wenonah - 2,278
        2. West Amwell - 3,840
        3. West Belmar - 2,493
        4. WEST BERLIN - 5,237
        5. West Caldwell - 10,759
        6. West Cape May - 1,024
        7. WEST CREEK - 3,003
        8. West Deptford - 21,677
        9. West Long Branch - 8,097
        10. West Milford - 25,850
        11. West New York - 49,708
        12. West Orange - 46,207
        13. West Paterson - 10,987
        14. WEST TRENTON - 9,679
        15. West Wildwood - 603
        16. West Windsor - 27,165
        1. WESTAMPTON - 8,813
        2. Westampton Township - 8,813
        3. Westfield - 30,316
        4. Westville - 4,288
        5. Westwood - 10,908
        6. Weymouth - 2,715
        7. Wharton - 6,522
        8. WHIPPANY - 8,364
        9. White House Station - 2,089
        10. Whitehouse Station - 10,063
        11. Whitesboro - 2,205
        12. Whitesboro-Burleigh - 1,836
        13. Wildwood - 5,325
        14. Wildwood Crest - 3,270
        15. Williamstown - 15,567
        16. Willingboro - 31,629
        1. WINDSOR - 314
        2. Winslow - 39,499
        3. WOOD RIDGE - 7,644
        4. Wood-Ridge - 7,626
        5. Woodbine - 2,472
        6. Woodbridge - 99,585
        7. Woodbury - 10,174
        8. Woodbury Heights - 3,055
        9. Woodcliff Lake - 5,730
        10. WOODLAND PARK - 11,819
        11. Woodlynne - 2,978
        12. Woodstown - 3,505
        13. WOOLWICH - 10,200
        14. Woolwich Township - 10,200
        15. Wrightstown - 802
        16. Wyckoff - 16,696