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New Jersey
NJIC System

Dispute IC System in New Jersey

Your New Jersey rights against IC System: 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 IC System Violations

Reporting unverified debts to credit bureaus
Continuing collection after dispute without validation
Using misleading language about legal consequences

New Jersey Dispute Tips vs IC System

IC System handles medical and utility debts — request itemized bills
Medical debts under $500 are excluded from credit reports as of 2023
Demand they verify the debt with the original creditor, not their own records

New Jersey Protections

Treble damages under Consumer Fraud Act
Low-income garnishment protections

New Jersey Debt Laws

All protections in New Jersey

IC System Overview

All violations & tips

Dispute IC System in New Jersey — $9.99/mo