Why should N.J. workers pay to get their own pay? | Opinion Updated Feb 16, 2021; Posted Feb 16, 2021 Beverly Brown Ruggia, of New Jersey Citizen Action, and Mary Pat Gallagher, of New Jersey Appleseed, say that while solutions are needed for people struggling financially from the economic fallout of the pandemic, spending next week’s paycheck today is not a solution. Facebook Share By Beverly Brown Ruggia and Mary Pat Gallagher A bill is working its way through the New Jersey legislature that will open the door to a new form of payday lending. Unless dramatically revised, A-3450, which passed the Assembly on January 15, would allow payroll advance companies to operate in the state by circumventing state consumer laws. The bill could also undermine an ongoing investigation into the industry by the New Jersey Department of Banking and Insurance.