Willie, very sorry to hear of your problems with the NJSP. They sure do charge first ask later.
BUT, things now may inb fact be different. Building a lower is a very common thing now. I've yet to do it myself but it is done very often without mishap.
You NJ guys like me should really check out this site NJgunforums.com Its the best reference for our insane laws that i've found so far.
"...with liberty and justice for all." (Must be 21. Void where prohibited. Some restrictions may apply. Not available in all states.)