Your New Jersey rights against Enhanced Recovery Company: 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 Enhanced Recovery Company Violations
TCPA violations through auto-dialed calls
Reporting debts without proper investigation of disputes
Continuing collection on debts paid to original creditor
New Jersey Dispute Tips vs Enhanced Recovery Company
ERC collects for AT&T, Comcast, and similar — get final bills from the carrier
Keep proof of equipment returns — ERC often collects bogus equipment charges
File FCC complaint if the underlying debt is telecom-related