Everything you need to know about credit card debt in New Jersey: the statute of limitations is 6 years, garnishment is capped at 10% of gross income (if earning <250% fpl), and 2 state-specific protections apply to your case.
6 years
Statute of limitations (open/revolving accounts)
$5,221
Avg. credit card debt in US
10% of gross income (if earnin
Garnishment limit
In New Jersey, credit card debt falls under open/revolving accounts with a statute of limitations of 6 years. Once the SOL expires, collectors cannot sue you for the debt — but they can still call. If you make a payment or acknowledge the debt in writing, the SOL clock may restart under New Jersey law.
Credit/Open
6 years
Written
6 years
Oral
6 years
These strategies combine federal FDCPA protections with New Jersey-specific laws like the NJ Consumer Fraud Act.
In New Jersey, the SOL for this debt type is 6 years — check if your debt has expired.
If a collector wins a judgment for credit card debt in New Jersey, garnishment is limited to: 10% of gross income (if earning <250% FPL).
NJ Consumer Fraud Act
File complaints: AG Consumer Protection
These New Jersey-specific protections apply to your credit card debt case:
All New Jersey Debt Laws
SOL, garnishment, protections for all debt types
Credit Card Debt Dispute Guide
Strategies, laws, and tips nationwide
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