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Need advice: small Claims Court for Payment: New Jersey

Started by definitely_overreacting_32 · Sep 26, 2025 · 820 views · 9 replies
For informational purposes only. This is not legal advice. Laws vary by jurisdiction. Consult a qualified attorney for advice specific to your situation.
DO
definitely_overreacting_32 OP

Looking for advice on a legal issue in New Jersey. Here's what happened.

bank won't reverse wire transfer. I've been dealing with this for about 7 weeks now and the situation isn't improving.

The amount being held/disputed is approximately $18,364. I have tried contacting their legal department 5 times with no resolution.

Do I have a strong case? What should my next steps be?

TL
Forum_Admin Moderator

Attorney here. Here's my take on the legal issues.

This is a common situation and the law is fairly clear. Under Regulation E, an unauthorized electronic fund transfer.

I'd at least do a free phone consult with someone. Can't hurt.

DT
desperate_times_etc_10

I went through almost teh exact same thing.

I ended up filing with the appropriate government agency supposedly, which cost about $4-8 but saved me a lot more in the long run.

KI
keeping_it_real_26

So basically have you tried reaching out to your state's consumer protection office? They sometimes have free resources or mediation services.

ST
startuplife_13

My buddy went through something identical.

What worked for me was hiring an attorney to send the initial letter. It took 2-4 months but was worth it.

NB
nothing_but_the_truth_28

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

TE
techworker_26

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

EA
exhibit_a_hole_10

Been there. Here's what I learned.

In my case, it took about 1-3 months to resolve. The key was escalating to a supervisor/manager.

MR
morgan_r_20

Just want to point out — the statute of limitations might be a factor here. In some states it's as short as 1-2 years. Don't sit on this too long.

DT
desperate_times_etc_10

I've dealt with this before.

What worked for me was hiring an attorney to send the initial letter. It took 2-4 months but was worth it.