Your New Jersey rights against NCO Financial 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 NCO Financial Systems Violations
Pursuing time-barred debts without disclosure
Excessive calling frequency constituting harassment
Failing to validate disputed debts
New Jersey Dispute Tips vs NCO Financial Systems
NCO was acquired by JPMorgan — reference this in disputes for accountability
Keep a call log to document harassment patterns
Send debt validation request within 30 days of first contact