Your New Jersey rights against Asset Acceptance Capital: 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 Asset Acceptance Capital Violations
Purchasing and suing on time-barred debts
Inflating debt amounts beyond original balance
Failing to produce original credit agreements
New Jersey Dispute Tips vs Asset Acceptance Capital
Asset Acceptance is a debt buyer — demand the full chain of title
They often sue in bulk — respond to any lawsuit within the deadline
Check if the SOL has expired before engaging in any negotiation