Your New Jersey rights against Convergent Outsourcing: 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 Convergent Outsourcing Violations
Calling cell phones without prior consent (TCPA)
Failing to send written validation notice
Disclosing debt to unauthorized third parties
New Jersey Dispute Tips vs Convergent Outsourcing
Convergent collects for utilities and telecom — verify the original creditor
Send a cease-and-desist letter to stop phone calls legally
Check if original bill was disputed with the utility company first