Your New Jersey rights against Transworld 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 Transworld Systems Violations
Reporting debts without verifying accuracy
Pursuing collection on insurance-covered medical bills
Misrepresenting the urgency of payment
New Jersey Dispute Tips vs Transworld Systems
TSI handles student loan and medical collections — verify insurance coverage first
Student loan borrowers have specific federal protections — don't waive them
Request an itemized statement comparing billed vs insurance-covered amounts