Dispute Financial Management Systems in New Jersey
Your New Jersey rights against Financial Management Systems: 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 Financial Management Systems Violations
Adding unauthorized collection fees
Misrepresenting urgency of payment
Failing to provide proper validation notice
New Jersey Dispute Tips vs Financial Management Systems
FMS collects for government agencies — verify the debt with the original agency
Government debts may have offset provisions — understand your rights
Request a payment plan if the debt is valid — most agencies must offer one