Your New Jersey rights against Allied Interstate: SOL is 6 years for credit card debt. Garnishment capped at 10% of gross income (if earning <250% FPL).
6 years
New Jersey credit card SOL
NJ Consumer Fraud Act
State collection law
Common Allied Interstate Violations
Misrepresenting consequences of non-payment
Calling workplaces after being told not to
Failing to properly identify themselves on calls
New Jersey Dispute Tips vs Allied Interstate
Allied collects for healthcare and financial institutions — verify with original provider
Tell them your employer prohibits personal calls — they must stop under FDCPA
Record all calls if you're in a one-party consent state