If those 35 days pass without an Answer being served, you face a default judgment, which begins a long process through which the court will eventually determine that you have forfeited your right to defend yourself and therefore owe the full amount claimed by the plaintiff.
Eventually, the plaintiff will likely pursue one or more of a variety of ways to obtain their judgment. The plaintiff – also known as the "judgment creditor" -- may garner your wages, place a lien against your property, or levy against your bank account. As a defendant, you will be known to the New Jersey Superior Court Law Division as the "judgment debtor" and find your assets at risk of seizure through the various devices.
If you face a judgment against you in New Jersey Superior Court Law Division, call me, Greg DePaul, Esq. at (973) 376-8585. I can consult with you, discuss your legal options, and protect your interests.