Eliminates court filing fees for individuals who are sued for consumer debt.

This bill eliminates court filing fees for individuals defending against consumer debt lawsuits in New Jersey's Superior Court. It directly affects people sued for personal, family, or household debt - including medical and credit debt - as defined by current law. The bill removes fees for filing basic responses like answers, counterclaims, or appearances in the Special Civil Part or Civil Part of court. This aims to reduce financial barriers that often prevent defendants from responding to small debt claims (typically under $10,000), which frequently result in default judgments without defense.