Everything you need to know about medical debt in New Jersey: SOL is 6 years, garnishment capped at 10% of gross income (if earning <250% fpl), and 2 state-specific protections apply.
6 years
SOL (open/revolving accounts)
$2,459
Avg medical debt
10% of gross income (if earnin
Garnishment cap
NJ Consumer Fraud Act
File complaints: AG Consumer Protection
DebtShield generates AI dispute letters that cite New Jersey law (NJ Consumer Fraud Act) and federal FDCPA protections.
Generate New Jersey Medical Debt Dispute Letter