﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.irs.gov/efile" returnVersion="2018v3.1">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2019-10-28T09:45:21-05:00</ReturnTs>
    <TaxPeriodEndDt>2018-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>222978848</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>BEDERSON LLP</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>347 MT PLEASANT AVENUE</AddressLine1Txt>
        <CityNm>WEST ORANGE</CityNm>
        <StateAbbreviationCd>NJ</StateAbbreviationCd>
        <ZIPCd>07052</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990EZ</ReturnTypeCd>
    <TaxPeriodBeginDt>2018-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>201031815</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>THE NEW JERSEY BANKRUPTCY LAWYERS</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>FOUNDATION INC C/O FORMAN HOLT</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>NEWJ</BusinessNameControlTxt>
      <PhoneNum>2018451000</PhoneNum>
      <USAddress>
        <AddressLine1Txt>365 WEST PASSAIC ST NO 400</AddressLine1Txt>
        <CityNm>ROCHELLE PARK</CityNm>
        <StateAbbreviationCd>NJ</StateAbbreviationCd>
        <ZIPCd>07662</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>CHARLES FORMAN</PersonNm>
      <PersonTitleTxt>PRESIDENT</PersonTitleTxt>
      <PhoneNum>2018451000</PhoneNum>
      <SignatureDt>2019-10-17</SignatureDt>
      <DiscussWithPaidPreparerInd>1</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <PreparerPersonGrp>
      <PreparerPersonNm>SEAN RAQUET</PreparerPersonNm>
      <PTIN>P00731383</PTIN>
      <PhoneNum>9735309128</PhoneNum>
    </PreparerPersonGrp>
    <FilingSecurityInformation>
      <IPAddress>
        <IPv4AddressTxt>50.78.59.17</IPv4AddressTxt>
      </IPAddress>
      <IPDt>2019-10-17</IPDt>
      <IPTm>11:31:14</IPTm>
      <IPTimezoneCd>ED</IPTimezoneCd>
      <FilingLicenseTypeCd>P</FilingLicenseTypeCd>
      <AtSubmissionCreationDeviceId>4AF5B97BA7F24C09B4BC1D86C5FB42064E4E1B4A</AtSubmissionCreationDeviceId>
      <AtSubmissionFilingDeviceId>3E56460695978B8B6A4BFCDAC988A11E3F8951A0</AtSubmissionFilingDeviceId>
    </FilingSecurityInformation>
    <TaxYr>2018</TaxYr>
    <BuildTS>2020-03-31 21:24:44Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="6">
    <IRS990EZ documentId="RetDoc1234200001" referenceDocumentId="RetDoc1051800001 RetDoc2278000001">
      <AddressChangeInd>X</AddressChangeInd>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <WebsiteAddressTxt>WWW.NJBLF.ORG</WebsiteAddressTxt>
      <Organization501c3Ind referenceDocumentId="RetDoc1039100001">X</Organization501c3Ind>
      <TypeOfOrganizationCorpInd>X</TypeOfOrganizationCorpInd>
      <GrossReceiptsAmt>115588</GrossReceiptsAmt>
      <InfoInScheduleOPartIInd>X</InfoInScheduleOPartIInd>
      <ContributionsGiftsGrantsEtcAmt>77276</ContributionsGiftsGrantsEtcAmt>
      <FundraisingGrossIncomeAmt referenceDocumentId="RetDoc1041300001">38032</FundraisingGrossIncomeAmt>
      <SpecialEventsDirectExpensesAmt>54474</SpecialEventsDirectExpensesAmt>
      <SpecialEventsNetIncomeLossAmt>-16442</SpecialEventsNetIncomeLossAmt>
      <OtherRevenueTotalAmt>280</OtherRevenueTotalAmt>
      <TotalRevenueAmt>61114</TotalRevenueAmt>
      <GrantsAndSimilarAmountsPaidAmt>43701</GrantsAndSimilarAmountsPaidAmt>
      <FeesAndOtherPymtToIndCntrctAmt>10616</FeesAndOtherPymtToIndCntrctAmt>
      <PrintingPublicationsPostageAmt>19</PrintingPublicationsPostageAmt>
      <OtherExpensesTotalAmt>4710</OtherExpensesTotalAmt>
      <TotalExpensesAmt>59046</TotalExpensesAmt>
      <ExcessOrDeficitForYearAmt>2068</ExcessOrDeficitForYearAmt>
      <NetAssetsOrFundBalancesBOYAmt>95837</NetAssetsOrFundBalancesBOYAmt>
      <OtherChangesInNetAssetsAmt>0</OtherChangesInNetAssetsAmt>
      <NetAssetsOrFundBalancesEOYAmt>97905</NetAssetsOrFundBalancesEOYAmt>
      <CashSavingsAndInvestmentsGrp>
        <BOYAmt>95837</BOYAmt>
        <EOYAmt>97905</EOYAmt>
      </CashSavingsAndInvestmentsGrp>
      <Form990TotalAssetsGrp>
        <BOYAmt>95837</BOYAmt>
        <EOYAmt>97905</EOYAmt>
      </Form990TotalAssetsGrp>
      <SumOfTotalLiabilitiesGrp>
        <BOYAmt>0</BOYAmt>
        <EOYAmt>0</EOYAmt>
      </SumOfTotalLiabilitiesGrp>
      <NetAssetsOrFundBalancesGrp>
        <BOYAmt>95837</BOYAmt>
        <EOYAmt>97905</EOYAmt>
      </NetAssetsOrFundBalancesGrp>
      <InfoInScheduleOPartIIIInd>X</InfoInScheduleOPartIIIInd>
      <PrimaryExemptPurposeTxt>TO ALLOW MEMBERS OF THE COMMUNITY WHO COULD NOT OTHERWISE AVAIL THEMSELVES OF THE RIGHTS AND PRIVILEDGES OF THE BANKRUPTCY LAWS IN THE STATE OF NEW JERSEY THE OPPORTUNITY TO DO SO.</PrimaryExemptPurposeTxt>
      <ProgramSrvcAccomplishmentGrp>
        <DescriptionProgramSrvcAccomTxt>RENTAL PAYMENTS FOR NEW JERSEY RESIDENTS IN ARREARS</DescriptionProgramSrvcAccomTxt>
        <GrantsAndAllocationsAmt>3494</GrantsAndAllocationsAmt>
        <ProgramServiceExpensesAmt>0</ProgramServiceExpensesAmt>
      </ProgramSrvcAccomplishmentGrp>
      <ProgramSrvcAccomplishmentGrp>
        <DescriptionProgramSrvcAccomTxt>DISCRETIONARY FUND-VAR</DescriptionProgramSrvcAccomTxt>
        <GrantsAndAllocationsAmt>35895</GrantsAndAllocationsAmt>
        <ProgramServiceExpensesAmt>0</ProgramServiceExpensesAmt>
      </ProgramSrvcAccomplishmentGrp>
      <ProgramSrvcAccomplishmentGrp>
        <DescriptionProgramSrvcAccomTxt>UTILITY BILL PAYMENTS FOR NEW JERSEY RESIDENTS IN ARREARS</DescriptionProgramSrvcAccomTxt>
        <GrantsAndAllocationsAmt>4312</GrantsAndAllocationsAmt>
        <ProgramServiceExpensesAmt>0</ProgramServiceExpensesAmt>
      </ProgramSrvcAccomplishmentGrp>
      <TotalProgramServiceExpensesAmt>0</TotalProgramServiceExpensesAmt>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>CHARLES FORMAN ESQ</PersonNm>
        <TitleTxt>PRESIDENT</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>3.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
        <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
        <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>MARK HALL ESQ</PersonNm>
        <TitleTxt>VICE PRESIDENT</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
        <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
        <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>SEAN RAQUET</PersonNm>
        <TitleTxt>TREASURER</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>2.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
        <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
        <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>NONA L OSTROVE</PersonNm>
        <TitleTxt>SECRETARY</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
        <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
        <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <InfoInScheduleOPartVInd>X</InfoInScheduleOPartVInd>
      <ActivitiesNotPreviouslyRptInd>0</ActivitiesNotPreviouslyRptInd>
      <ChgMadeToOrgnzngDocNotRptInd>0</ChgMadeToOrgnzngDocNotRptInd>
      <OrganizationHadUBIInd>0</OrganizationHadUBIInd>
      <SubjectToProxyTaxInd>0</SubjectToProxyTaxInd>
      <OrganizationDissolvedEtcInd>0</OrganizationDissolvedEtcInd>
      <DirectIndirectPltclExpendAmt>0</DirectIndirectPltclExpendAmt>
      <MadeLoansToFromOfficersInd>0</MadeLoansToFromOfficersInd>
      <TaxImposedUnderIRC4911Amt>0</TaxImposedUnderIRC4911Amt>
      <TaxImposedUnderIRC4912Amt>0</TaxImposedUnderIRC4912Amt>
      <TaxImposedUnderIRC4955Amt>0</TaxImposedUnderIRC4955Amt>
      <EngagedInExcessBenefitTransInd>0</EngagedInExcessBenefitTransInd>
      <TaxImposedOnOrganizationMgrAmt>0</TaxImposedOnOrganizationMgrAmt>
      <TaxReimbursedByOrganizationAmt>0</TaxReimbursedByOrganizationAmt>
      <ProhibitedTaxShelterTransInd>0</ProhibitedTaxShelterTransInd>
      <StatesWhereCopyOfReturnIsFldCd>NJ</StatesWhereCopyOfReturnIsFldCd>
      <BooksInCareOfDetail>
        <BusinessName>
          <BusinessNameLine1Txt>SEAN RAQUET</BusinessNameLine1Txt>
        </BusinessName>
        <USAddress>
          <AddressLine1Txt>347 MT PLEASANT AVE STE 200</AddressLine1Txt>
          <CityNm>WEST ORANGE</CityNm>
          <StateAbbreviationCd>NJ</StateAbbreviationCd>
          <ZIPCd>07052</ZIPCd>
        </USAddress>
        <PhoneNum>9735309128</PhoneNum>
      </BooksInCareOfDetail>
      <ForeignFinancialAccountInd>0</ForeignFinancialAccountInd>
      <ForeignOfficeInd>0</ForeignOfficeInd>
      <DonorAdvisedFndsInd>0</DonorAdvisedFndsInd>
      <OperateHospitalInd>0</OperateHospitalInd>
      <TanningServicesProvidedInd>0</TanningServicesProvidedInd>
      <RelatedOrganizationCtrlEntInd>0</RelatedOrganizationCtrlEntInd>
      <PoliticalCampaignActyInd>0</PoliticalCampaignActyInd>
      <LobbyingActivitiesInd>0</LobbyingActivitiesInd>
      <SchoolOperatingInd>0</SchoolOperatingInd>
      <TrnsfrExmptNonChrtblRltdOrgInd>0</TrnsfrExmptNonChrtblRltdOrgInd>
      <PartVIOfCompOfHghstPdEmplTxt>NONE</PartVIOfCompOfHghstPdEmplTxt>
      <PartVIHghstPdCntrctProfSrvcTxt>NONE</PartVIHghstPdCntrctProfSrvcTxt>
      <FiledScheduleAInd>1</FiledScheduleAInd>
    </IRS990EZ>
    <IRS990ScheduleA documentId="RetDoc1039100001">
      <PublicOrganization170Ind>X</PublicOrganization170Ind>
      <GiftsGrantsContriRcvd170Grp>
        <CurrentTaxYearMinus4YearsAmt>32501</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>31300</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>45478</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>78227</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>115308</CurrentTaxYearAmt>
        <TotalAmt>302814</TotalAmt>
      </GiftsGrantsContriRcvd170Grp>
      <TotalCalendarYear170Grp>
        <CurrentTaxYearMinus4YearsAmt>32501</CurrentTaxYearMinus4YearsAmt>
        <CurrentTaxYearMinus3YearsAmt>31300</CurrentTaxYearMinus3YearsAmt>
        <CurrentTaxYearMinus2YearsAmt>45478</CurrentTaxYearMinus2YearsAmt>
        <CurrentTaxYearMinus1YearAmt>78227</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>115308</CurrentTaxYearAmt>
        <TotalAmt>302814</TotalAmt>
      </TotalCalendarYear170Grp>
      <PublicSupportTotal170Amt>302814</PublicSupportTotal170Amt>
      <GrossInvestmentIncome170Grp>
        <CurrentTaxYearMinus1YearAmt>149</CurrentTaxYearMinus1YearAmt>
        <CurrentTaxYearAmt>280</CurrentTaxYearAmt>
        <TotalAmt>429</TotalAmt>
      </GrossInvestmentIncome170Grp>
      <TotalSupportAmt>303243</TotalSupportAmt>
      <PublicSupportCY170Pct>0.99860</PublicSupportCY170Pct>
      <PublicSupportPY170Pct>0.99940</PublicSupportPY170Pct>
      <ThirtyThrPctSuprtTestsCY170Ind>X</ThirtyThrPctSuprtTestsCY170Ind>
    </IRS990ScheduleA>
    <IRS990ScheduleB documentId="RetDoc1234500001">
      <ContributorInformationGrp>
        <ContributorNum>RESTRICTED</ContributorNum>
        <ContributorBusinessName>
          <BusinessNameLine1>RESTRICTED</BusinessNameLine1>
        </ContributorBusinessName>
        <ContributorUSAddress>
          <AddressLine1>RESTRICTED</AddressLine1>
          <AddressLine2>RESTRICTED</AddressLine2>
          <City>RESTRICTED</City>
          <State>RESTRICTED</State>
          <ZIPCode>RESTRICTED</ZIPCode>
        </ContributorUSAddress>
        <TotalContributionsAmt>RESTRICTED</TotalContributionsAmt>
      </ContributorInformationGrp>
    </IRS990ScheduleB>
    <IRS990ScheduleG documentId="RetDoc1041300001">
      <FundraisingEventInformationGrp>
        <Event1Nm>GOLF OUTING</Event1Nm>
        <GrossReceiptsEvent1Amt>13400</GrossReceiptsEvent1Amt>
        <GrossRevenueEvent1Amt>13400</GrossRevenueEvent1Amt>
        <RentFacilityCostsEvent1Amt>26295</RentFacilityCostsEvent1Amt>
        <OtherDirectExpensesEvent1Amt>2238</OtherDirectExpensesEvent1Amt>
        <Event2Nm>RUNNING EVENT</Event2Nm>
        <GrossReceiptsEvent2Amt>4628</GrossReceiptsEvent2Amt>
        <GrossRevenueEvent2Amt>4628</GrossRevenueEvent2Amt>
        <OtherDirectExpensesEvent2Amt>4279</OtherDirectExpensesEvent2Amt>
        <OtherEventsTotalCnt>1</OtherEventsTotalCnt>
        <GrossReceiptsOtherEventsAmt>20004</GrossReceiptsOtherEventsAmt>
        <GrossRevenueOtherEventsAmt>20004</GrossRevenueOtherEventsAmt>
        <RentFcltyCostsOtherEventsAmt>21662</RentFcltyCostsOtherEventsAmt>
        <GrossReceiptsTotalAmt>38032</GrossReceiptsTotalAmt>
        <GrossRevenueTotalEventsAmt>38032</GrossRevenueTotalEventsAmt>
        <RentFcltyCostsTotalEventsAmt>47957</RentFcltyCostsTotalEventsAmt>
        <OthDirectExpnssTotalEventsAmt>6517</OthDirectExpnssTotalEventsAmt>
        <DirectExpenseSummaryEventsAmt>54474</DirectExpenseSummaryEventsAmt>
        <NetIncomeSummaryAmt>-16442</NetIncomeSummaryAmt>
      </FundraisingEventInformationGrp>
    </IRS990ScheduleG>
    <IRS990ScheduleO documentId="RetDoc1051800001">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE</FormAndLineReferenceDesc>
        <ExplanationTxt>DESCRIPTION: INTEREST INCOME. AMOUNT: 280.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID</FormAndLineReferenceDesc>
        <ExplanationTxt>ACTIVITY CLASSIFICATION: SUSTAINING CONTRIBUTION. GRANTEE NAME: UTILITY PAYMENTS-VARIOUS. AMOUNT GIVEN: 4,312.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID</FormAndLineReferenceDesc>
        <ExplanationTxt>ACTIVITY CLASSIFICATION: SUSTAINING CONTRIBUTION. GRANTEE NAME: RENTAL ARREARAGE PYMTS-VARIOUS. AMOUNT GIVEN: 3,494.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID</FormAndLineReferenceDesc>
        <ExplanationTxt>ACTIVITY CLASSIFICATION: SUSTAINING CONTRIBUTION. GRANTEE NAME: DISCRETIONARY FUND-VAR. AMOUNT GIVEN: 35,895. TOTAL INCLUDED ON FORM 990-EZ, LINE 10: 43,701.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES</FormAndLineReferenceDesc>
        <ExplanationTxt>DESCRIPTION: OFFICE SUPPLIES. AMOUNT: 32. DESCRIPTION: INSURANCE. AMOUNT: 3,923. DESCRIPTION: TAXES. AMOUNT: 3. DESCRIPTION: WEBSITE COSTS. AMOUNT: 752. TOTAL TO FORM 990-EZ, LINE 16: 4,710.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
    <TransferPrsnlBnftContractsDecl documentId="RetDoc2278000001">
      <DeclarationDesc>THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.</DeclarationDesc>
    </TransferPrsnlBnftContractsDecl>
  </ReturnData>
</Return>