Your New Jersey rights against Midland Credit Management: 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 Midland Credit Management Violations
Attempting to collect time-barred debt without disclosure
Furnishing inaccurate information to credit bureaus
Failing to provide proper debt validation
New Jersey Dispute Tips vs Midland Credit Management
Demand validation within 30 days — Midland often lacks original documentation
Check if debt exceeds your state's SOL before making any payment
File CFPB complaint — Midland has one of the highest complaint volumes