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New Jersey
NJPortfolio Recovery Associates

Dispute Portfolio Recovery Associates in New Jersey

Your New Jersey rights against Portfolio Recovery Associates: 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 Portfolio Recovery Associates Violations

Filing lawsuits on time-barred debt
Adding unauthorized fees to original balance
Calling outside permitted hours

New Jersey Dispute Tips vs Portfolio Recovery Associates

PRA buys debt for pennies — never pay full amount without negotiating
Request the original signed agreement — PRA rarely has it
Document every call with date, time, and representative name

New Jersey Protections

Treble damages under Consumer Fraud Act
Low-income garnishment protections

New Jersey Debt Laws

All protections in New Jersey

Portfolio Recovery Associates Overview

All violations & tips

Dispute Portfolio Recovery Associates in New Jersey — $9.99/mo