New Jersey probate can take 7 months to 2+ years. Get your inheritance advance in as little as 48 hours.
New Jersey handles probate through the Surrogate's Court in each county. The state distinguishes between "probate" (validating the will and appointing the executor) and "administration" (the actual process of settling the estate). Consult a NJ probate attorney for specific guidance.
Probate and appointment (weeks 1-2). NJ's initial probate step is relatively fast. The executor presents the will to the county Surrogate, who can issue letters testamentary — often within days.
Creditor notice (6 months). Creditors have 6 months from the first publication of notice to file claims. The executor must also notify known creditors directly.
Inheritance tax clearance. NJ is one of six states with an inheritance tax. The estate cannot fully close without a tax clearance letter, which can take months to obtain.
Distribution (months 7-24+). NJ law generally prevents distribution until at least 6 months after the executor's appointment. Simple estates may close in 7-12 months. Complex estates commonly take 12-24 months.
Inheritance tax. NJ's inheritance tax rates depend on the beneficiary's relationship to the deceased. Class A beneficiaries (spouse, children, grandchildren, parents) are exempt. Class C (siblings) pay 11-16%. Class D (all others) pay 15-16%. NJ also has a separate estate tax for estates over $2 million.
Simplified probate. Estates under $50,000 (with no real estate) may qualify for simplified procedures using a small estate affidavit.
Informal accounting. If all beneficiaries consent, the executor can provide informal accountings rather than filing formal accountings with the court.
The mandatory 6-month waiting period and tax clearance process mean significant delays. An inheritance advance provides funds in 48 hours.
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Disclaimer: This page is for general informational purposes only and does not constitute legal, financial, or tax advice. Probate laws, timelines, and costs vary significantly by state and by individual circumstances. We strongly encourage you to consult with a qualified attorney or financial advisor for guidance specific to your situation. First Heritage Funding is not a law firm and does not provide legal services.
Simple estates: 7-12 months (minimum 6-month waiting period). Complex estates: 12-24 months. Tax clearance can add additional time.
Yes. Spouses, children, grandchildren, and parents are exempt. Siblings pay 11-16%. Others pay 15-16%. NJ also has an estate tax for estates over $2 million.
Yes. We work with New Jersey heirs across all 21 counties.
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