N.J. Stat. § 56:8-44 : — TRADE NAMES, TRADE-MARKS AND UNFAIR TRADE PRACTICESChapter 56:8 —44 - 25% limit TEXT PDF A health club may not charge and accept a down payment exceeding 25% of the total contract price prior to opening the health club facility. N.J.S. § 56:8-44 L.1987, c.238, s.6.