Your New Jersey rights against Resurgent Capital Services: 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 Resurgent Capital Services Violations
Operating through subsidiary LVNV to obscure identity
Failing to properly validate purchased debts
Misrepresenting the original creditor
New Jersey Dispute Tips vs Resurgent Capital Services
Resurgent owns LVNV Funding — same parent company, same defenses
Demand documentation showing the complete chain of debt ownership
File complaints against both Resurgent and any subsidiaries they operate through