Your New Jersey rights against Second Round Sub: 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 Second Round Sub Violations
Collecting debts they cannot substantiate
Failing to cease collection after dispute
Inaccurate credit bureau reporting
New Jersey Dispute Tips vs Second Round Sub
Second Round buys deeply discounted debt — negotiate aggressively
Demand full validation including original creditor statements