Your New Jersey rights against National Credit 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 National Credit Systems Violations
Misrepresenting security deposit deductions
Failing to provide validation within 30 days
Adding collection fees not authorized by original agreement
New Jersey Dispute Tips vs National Credit Systems
NCS primarily collects apartment/rental debts — challenge security deposit math
Request the original lease and move-out inspection report
Many landlord charges for 'normal wear and tear' are invalid