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Debt Relief FAQ
Debt relief comes in many options in New Jersey. You can determine which would be best for you and your financial situation. Luckily, there are laws to counter debt collectors. You can find the best option for you.
New Jersey follows the Fair Debt Collections Practices Act (FDCPA) to keep debt collectors from causing unnecessary practices. These involve deception and unfair practices onto a debtor. These unfair practices would include a debt collector make false statements towards a debtor when trying to collect a debt. It is also harassment by contacting a debtor threatening violence, profanity or calling multiple times that exceeds the limit of calls that can be made. We provide forms that will offer legal action against debt collectors or debt relief. The states offer a maximum interest rate of 6% from a collection agency. They also have an 90% wage protection of weekly earnings that are disposable after income tax.
We provide forms that will offer legal action against debt collectors or debt relief.