Your New Jersey rights against Encore Capital Group: 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 Encore Capital Group Violations
Pursuing collection on disputed debts without pausing
Threatening legal action they don't intend to take
Failing to mark accounts as disputed on credit reports
New Jersey Dispute Tips vs Encore Capital Group
Encore owns Midland Credit — same tactics, same defenses apply
Send all disputes via certified mail with return receipt
File complaints with both CFPB and your state AG simultaneously