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DebtShield

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The flagship debt recovery platform.

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NJ Debt Laws

New Jersey Debt Collection Laws

Know your rights in New Jersey. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

6 years

Credit card SOL

6 years

Written contract SOL

10% of gross income (if earnin

Garnishment limit

New Jersey Collection Law

NJ Consumer Fraud Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in New Jersey

Social Security
Unemployment
Workers' comp
Pension
Disability

Key New Jersey Protections

Treble damages under Consumer Fraud Act
Low-income garnishment protections

Federal Laws (Apply in New Jersey)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate New Jersey Debt Dispute Letter

DebtShield auto-cites New Jersey laws + FDCPA