Her is some more good information.
http://www.expertlaw.com/library/tra...ng_ticket.html
I don't know how NJ is, but in PA to go to court you must pay ticket to get a court date and if you win they send a check, to you, usually within 30 days. I would assume a payment plan is possible.
It only cost you gas and tolls to go to court. Do it! It is extremely important to, if nothing else, have points removed. This DOES affect insurance rates.