Your New Jersey rights against Columbia Ultimate: 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 Columbia Ultimate Violations
Collecting on debts discharged in bankruptcy
Failing to update credit reports after dispute
Adding unauthorized interest charges
New Jersey Dispute Tips vs Columbia Ultimate
If you filed bankruptcy, send them your discharge papers immediately
Columbia collects utility and telecom debts — check final statements
Demand they remove inaccurate entries from all three credit bureaus