Your New Jersey rights against Worldwide Asset Purchasing: 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 Worldwide Asset Purchasing Violations
Purchasing zombie debts beyond SOL
Filing suits on debts they cannot document
Failing to respond to validation requests
New Jersey Dispute Tips vs Worldwide Asset Purchasing
Worldwide buys very old portfolios — always check SOL first
If they sue, demand strict proof — they rarely have original documents
Zombie debt collectors count on you not knowing your rights