Henry Sanchez v. Fitness Factory Edgewater, LLC (082834)(Morris County & Statewide)

Summary

The Supreme Court of New Jersey held that the Retail Installment Sales Act (RISA) applies to contracts for services and that the statute does not require a financing arrangement for a contract to fall within its coverage. Accordingly, the Court reversed the Appellate Division’s dismissal of the class‑action complaint and remanded for further proceedings. The decision was based on a plain‑language reading of RISA and its remedial purpose. No dissenting or concurring opinions were filed.