Your New Jersey rights against Penn Credit Corporation: 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 Penn Credit Corporation Violations
Adding excessive fees to government debts
Failing to provide validation for toll violations
Misrepresenting authority of government agency
New Jersey Dispute Tips vs Penn Credit Corporation
Penn Credit collects tolls and municipal fines — request original violation proof
Many toll violations can be disputed directly with the toll authority
Government debt collectors must still comply with FDCPA