New Jersey debt relief & settlement: protect your future in 2026

New Jersey ranks 2nd in the nation for average credit card debt at $9,748 per cardholder. With the highest cost of living index of any state, a 20-year judgment cycle, and some of the most aggressive debt buyers in the country targeting Garden State residents, the financial stakes here are exceptionally high. But New Jersey also enacted landmark consumer protections in 2025 – including the Louisa Carman Medical Debt Relief Act and an income-based wage garnishment cap of just 10% for lower earners. This 2026 guide reveals how to use New Jersey’s evolving legal protections before creditors act first.

Complete guide to NJ laws, the 10% low-income wage garnishment cap, the 6-year statute, the 20-year judgment trap, and the Louisa Carman Medical Debt Act.

• Attorney-backed protection: Local legal experts defend your assets in court.
• No upfront fees: You pay nothing until your debt is settled.
• NJ consumer law experts: Specialized in New Jersey’s Consumer Fraud Act, debt buyer documentation requirements, and the 2025 medical debt protections.

Use our free CheckDebt Tool to calculate your balance and compare your relief options instantly.

Financial hardship in New Jersey: the high cost of the Garden State

New Jersey’s image of suburban affluence and proximity to New York masks a growing debt crisis. Record credit card balances, the nation’s highest housing and living costs, and a 20-year judgment window create a uniquely high-stakes environment for debtors.

• $9,748 – Average credit card balance per New Jersey resident (Q3 2025). The 2nd highest in the nation, behind only Connecticut.
• $68,400 – Average household debt per New Jersey adult (2024). $6,800 above the national average.
• 13,534 – New Jersey residents who filed for bankruptcy as of June 2025 – a 1.7% increase from the prior year.
• 11.4% – Credit card delinquency rate in New Jersey (Q4 2025). Up from 7.5% in 2019.
• 3.0% – Share of NJ balances 90+ days late (Q3 2025) – up sharply from 1.8% just one year earlier.
• 71.2% – Share of New Jersey household debt attributable to mortgages – driven by the nation’s highest property costs.
• $2,413 – Average monthly mortgage payment in New Jersey – 4th highest in the country.
• 20 years – How long a New Jersey court judgment can follow your family – renewable beyond that.

Local impact: Credit card and consumer debt pressure is highest in Bergen County (Hackensack, Paramus), Essex County (Newark, Montclair), Hudson County (Jersey City, Hoboken), Middlesex County (New Brunswick, Edison), and Monmouth County (Red Bank, Long Branch). In the D.C.-adjacent south – Burlington, Camden, and Gloucester Counties – lower-income households face the highest distress rates relative to income. The Jersey Shore counties – Ocean and Monmouth – carry elevated debt from seasonal income volatility. Across the state, Somerset, Union, and Passaic Counties combine high housing costs with moderate-income households increasingly dependent on credit for basic expenses.

Resolve Group serves clients across New Jersey with no upfront fees. You pay only when results are delivered.

New Jersey laws & the “Grade F” risk

New Jersey’s income-based wage garnishment shield

New Jersey’s wage garnishment rules are called “wage execution” or “wage attachment” – and they are significantly stronger than federal law for lower-income earners.

Under N.J.S.A. 2A:17-56, the garnishment cap depends on your income level:

Two-tier garnishment system:

Income level	Maximum garnishment
Below 250% of federal poverty level	Only 10% of disposable income
Above 250% of federal poverty level	Up to 25% of disposable income (federal standard)

• As of 2026, 250% of the federal poverty level for a single person is approximately $37,650/year or $3,137/month.
• This 10% cap is one of the most protective in the country for lower and moderate-income earners.
• An additional $48 per week is always exempt from wage execution in New Jersey – regardless of income.
• Military benefits and wages cannot be claimed in a wage garnishment judgment under New Jersey law.

Exempt income in New Jersey (cannot be garnished):

• Social Security and SSI benefits.
• Unemployment compensation.
• Veterans’ benefits and military wages.
• Workers’ compensation.
• Disability and illness benefits.
• Pension and retirement plan income.
• Child support received.

The 20-year judgment trap – one of the longest in the Nation

New Jersey’s judgment enforcement window is one of the most aggressive in the country.

• A court judgment is enforceable for 20 years from the date it is entered. (N.J.S.A. 2A:14-5)
• Creditors can revive it before expiration – extending enforcement indefinitely beyond 20 years.
• During enforcement, creditors can pursue wage execution, bank levies, and real property liens.
• Judgments accrue post-judgment interest, compounding what you owe over time.
• New Jersey uses judicial foreclosure – giving homeowners more procedural time, but also extending the collection window.

The fear: A debt lawsuit arrives at your Newark or Trenton address. You ignore it. A default judgment is entered. Wage execution begins – at either 10% or 25% depending on your income. The 20-year cycle starts – potentially following your family into 2046 and beyond.

The solution: Resolve Group connects you with a licensed New Jersey attorney who responds before any default judgment is entered – and immediately asserts the income-based garnishment cap if you qualify.

New Jersey’s critical debt buyer documentation requirement

This is one of New Jersey’s most powerful – and most overlooked – consumer protections.

Under New Jersey Court Rules, debt buyers must provide:

• The original credit agreement before filing a lawsuit.
• A complete chain-of-title showing exactly how they acquired the debt – from the original creditor through every subsequent sale.

If a debt buyer cannot produce this documentation, the lawsuit must be dismissed. This requirement eliminates a significant portion of debt buyer lawsuits at the outset – but only if you respond and raise the defense.

The fear: A debt buyer files a lawsuit in Bergen or Essex County without proper documentation. You ignore the summons. A default judgment is entered – even though the lawsuit was legally defective from the start.

The solution: A licensed New Jersey attorney responds to every debt buyer lawsuit and immediately demands full documentation under NJ Court Rules.

What is a “Grade F” collector – and why it puts you at risk

The BBB (Better Business Bureau) rates debt collection agencies on a scale from A+ to F. A Grade F is the worst possible rating. It signals an agency that systematically violates your legal rights.

What a Grade F agency does:

• Systemic harassment: They call up to 15 times per day. The legal maximum under Regulation F (2021) is 7 calls in 7 days about the same debt.
• Illegal threats: They claim you will go to prison for credit card debt. This is a federal violation – and factually impossible.
• No proof provided: They attempt to collect without issuing a Validation Notice – the legal document proving the debt actually belongs to you.
• Privacy violations: They disclose your debt to neighbors, family members, or employers. Strictly prohibited under federal and New Jersey state law.

Grade F = legal risk for you

These practices violate the FDCPA (Fair Debt Collection Practices Act) – the federal law governing all debt collectors in the USA. New Jersey adds significant additional protection through its Consumer Fraud Act (CFA) – N.J.S.A. 56:8-1 et seq.:

• The CFA applies to any fraudulent, deceptive, or unconscionable act in connection with consumer transactions – including debt collection.
• Violations entitle consumers to treble (triple) damages plus attorney fees.
• The NJ Attorney General can also bring enforcement actions.
• Complaints can be filed with the New Jersey Division of Consumer Affairs at njconsumeraffairs.gov or by calling (800) 242-5846.

New Jersey is a “protective” State – with strong enforcement

New Jersey’s Consumer Fraud Act, debt buyer documentation requirements, and income-based garnishment cap make it one of the stronger consumer protection states in the country.

• Protective states (NJ, CA, NY, MA): Their own laws exceed federal requirements. NJ’s CFA provides treble damages and applies broadly.
• Permissive states (TX, FL): They rely primarily on federal law. Grade F agencies concentrate activity there.

However, New Jersey’s extremely high housing costs, dense population, and proximity to major debt buyer operations in New York mean the state remains an active target for aggressive collection activity.

The fear: A Grade F collector violates the NJ Consumer Fraud Act in Hudson or Middlesex County. You are unaware of your treble damages rights. You ignore the summons. A default judgment is entered.

The solution: Resolve Group vets every attorney in its network through a 360° verification process – state bar license check, domain expertise, background review, and client ratings. You never deal with an unverified entity.

Comparing your debt relief options in New Jersey

Not all debt relief solutions are equal. The right option depends on your total debt amount, the types of debt you carry, and how urgently creditors are pursuing you.

Option	Best for	Typical fees	Impact on credit	Legal protection
Non-profit credit counseling	Reducing interest rates and consolidating payments into one monthly amount.	Low monthly fees ($25–$75).	Minimal / Positive (shows consistent effort to repay).	None (creditors can still sue you).
Debt Settlement	Reducing total principal when you cannot repay in full. Average savings of 40–55%.	15–25% of enrolled debt (performance-based).	Severe negative (requires accounts to be delinquent).	None (risk of lawsuits until settlement is reached).
Bankruptcy attorneys	Stopping active lawsuits, wage executions, and bank levies immediately.	NJ filing fees + legal fees ($1,500–$3,000).	Maximum impact (stays on credit report 7–10 years).	Total (court-ordered Automatic Stay protection).

Why choose Resolve Group?

We do not send you to a call center. We match you with a local New Jersey attorney who has passed our 360° verification:

• ✅ Active New Jersey State Bar license confirmed
• ✅ Debt resolution, CFA, and debt buyer defense expertise verified
• ✅ Background and disciplinary history checked
• ✅ Client reviews and ratings reviewed

You pay nothing upfront. Fees apply only when results are delivered. Resolve Group serves clients with over $20,000 in unsecured debt who need real legal leverage – not just a phone negotiator.

Use our free CheckDebt Tool to compare your options in minutes.

New Jersey debt statutes: the 6-year rule

The Statute of Limitations is the legal deadline after which a creditor can no longer sue you to collect a debt. Once this period expires, the debt is “time-barred.” Any lawsuit filed after this deadline must be dismissed by a court.

Debt type	Statute of Limitations	New Jersey law
Written contracts (credit cards, medical bills, personal loans)	6 Years	N.J.S.A. 2A:14-1
Oral contracts	6 Years	N.J.S.A. 2A:14-1
Auto loans	4 Years	N.J.S.A. 12A:2-725
Court judgments	20 Years (renewable)	N.J.S.A. 2A:14-5

New Jersey applies a uniform 6-year statute to virtually all consumer debts – credit cards, medical bills, and personal loans alike. This is a straightforward framework, but the 20-year judgment window that follows is one of the most aggressive in the country.

Critical warnings:

• The reset trap: Any payment – however small – or a written acknowledgment of the debt can restart the 6-year clock from zero. Never pay or confirm an old debt without first consulting an attorney.
• The default trap: Ignoring a court summons results in an automatic default judgment. That 20-year renewable judgment gives creditors immediate access to your wages (at 10% or 25%) and bank accounts across Bergen, Essex, Hudson, and Middlesex Counties.
• The Debt Buyer Defense: A debt buyer who cannot produce the original credit agreement and full chain-of-title must have their lawsuit dismissed. But you must respond and raise this defense – default judgment is entered automatically if you do not.

Bankruptcy in New Jersey: the “Nuclear Option” to stop wage execution

When debt settlement is not fast enough, New Jersey residents turn to Federal Bankruptcy laws for immediate relief.

• Chapter 7 (Liquidation): Best for residents with lower income. It eliminates most unsecured debts – credit cards and medical bills – in 4 to 6 months. You must pass the New Jersey Means Test to qualify. New Jersey allows residents to choose between state or federal bankruptcy exemptions – and for most NJ homeowners, federal exemptions are strongly preferred because New Jersey’s state exemptions provide no homestead protection.
• Chapter 13 (Reorganization): Best for homeowners in Newark, Trenton, or Cherry Hill who are behind on their mortgage. You keep all assets and repay a portion of your debt over 3 to 5 years under a court-approved plan. It prevents foreclosure, repossession, and ongoing wage execution.

New Jersey’s critical homestead gap:

This is the most important fact for New Jersey homeowners filing for bankruptcy:

• New Jersey’s state bankruptcy exemptions provide ZERO homestead protection – $0 in home equity protection.
• As a result, virtually all New Jersey homeowners choose federal bankruptcy exemptions.
• Federal exemptions protect up to $31,575 in home equity (as of April 2025, adjusted every 3 years). Married couples filing jointly can double this to $63,150.
• In a state where median home values exceed $450,000 and significant equity is common, this gap requires strategic planning – often pointing to Chapter 13 rather than Chapter 7.

New Jersey’s key federal bankruptcy exemptions (chosen by most NJ filers):

• Homestead: Up to $31,575 in home equity ($63,150 for married couples filing jointly). – 11 U.S.C. § 522(d)(1)
• Vehicle: Up to $4,000 in one motor vehicle. – 11 U.S.C. § 522(d)(2)
• Household goods: Up to $700 per item, $14,875 total. – 11 U.S.C. § 522(d)(3)
• Jewelry: Up to $1,875. – 11 U.S.C. § 522(d)(4)
• Tools of trade: Up to $2,800. – 11 U.S.C. § 522(d)(6)
• Wildcard: Up to $1,475 plus up to $13,950 of unused homestead exemption on any property. – 11 U.S.C. § 522(d)(5)
• Tenancy by Entirety: Jointly-owned marital property is fully exempt from debts owed by one spouse only – regardless of value (under NJ state exemptions).
• Retirement accounts: Fully protected under federal law (401k, IRA, pensions).
• Social Security and veterans’ benefits: Fully exempt.

The Automatic Stay: Filing either chapter immediately forces all creditors to stop collection calls, wage executions, bank levies, and foreclosure proceedings – on the day of filing.

Local court expertise: New Jersey has one federal bankruptcy district – the District of New Jersey – with three courthouse locations:

Newark Division – Martin Luther King Jr. Federal Building, 50 Walnut Street, Newark, NJ 07102. Primary filing location. Serves:

• Bergen, Essex, Hudson, Passaic, Morris, Sussex, Warren, and Union Counties – including Newark, Jersey City, Hackensack, Paterson, and Hoboken.

Trenton Division – Clarkson S. Fisher Federal Building, 402 East State Street, Trenton, NJ 08608. Serves:

• Mercer, Monmouth, Ocean, Hunterdon, Somerset, and Middlesex Counties – including Trenton, Edison, New Brunswick, Toms River, and Freehold.

Camden Division – Mitchell H. Cohen U.S. Courthouse, 400 Cooper Street, Camden, NJ 08101. Serves:

• Camden, Burlington, Atlantic, Cape May, Cumberland, Gloucester, and Salem Counties – including Camden, Cherry Hill, Atlantic City, and Vineland.

Our verified attorneys know these local courts, their filing procedures, and the specific requirements for asserting debt buyer documentation defenses in each vicinage.

• The fear: A creditor obtains a 20-year renewable judgment in Bergen or Hudson County. Wage execution begins – at 25% if you are above the poverty threshold. Your home equity is at risk in a state with $0 state homestead protection.
• The solution: A verified New Jersey bankruptcy attorney files for an immediate Automatic Stay – and selects federal exemptions to maximize home equity and asset protection.

Solutions tailored to your specific situation

Medical bills

New Jersey has enacted the most comprehensive medical debt protection legislation in the nation in 2025 – making it a genuine national leader on this issue.

The Louisa Carman Medical Debt Relief Act (effective July 22, 2025):

• Credit reporting ban: Medical creditors and debt collectors are prohibited from reporting medical debt to credit bureaus (Equifax, Experian, TransUnion) for services provided on or after July 22, 2024.
• 120-day collection moratorium: No collection action – lawsuits, third-party referrals – can begin until 120 days after the initial bill AND after offering a reasonable payment plan.
• 30-day advance notice required before any collection action, in 14-point bold font.
• Wage garnishment ban: Wage garnishment for medical debt is outright prohibited for patients with incomes below 600% of the federal poverty level – approximately $90,000 for a single person in 2026.
• 3% annual interest cap on all medical debt.
• Liens and asset seizures restricted for debts under $1,000.

New Jersey’s Medical Debt Forgiveness Initiative:

• Governor Murphy’s partnership with Undue Medical Debt has eliminated nearly $1.4 billion in medical debt for over 828,000 New Jersey residents as of January 2026.
• Six rounds of debt forgiveness have been completed – with more planned.
• No application is needed. Eligible residents (at or below 400% of the federal poverty level, or with medical debt exceeding 5% of annual income) receive letters directly.
• Medical bills typically settle for 40 to 60 cents on the dollar even outside this program.
• Residents served by RWJBarnabas Health (New Jersey’s largest integrated system), Atlantic Health System, Hackensack Meridian Health, and Cooper University Health Care should verify financial assistance eligibility before any payment.

Credit card debt

New Jersey carries the 2nd highest average credit card balance in the nation.

• Average credit card balance: $9,748 per resident (Q3 2025) – second only to Connecticut.
• Delinquency rates are rising sharply – 90+ day late balances tripled from 1.8% to 3.0% between Q3 2024 and Q3 2025.
• Families in Bergen County (Hackensack, Paramus) and Monmouth County carry the highest individual balances in the state.
• New Jersey’s debt buyer documentation requirement is especially powerful for old credit card debts – accounts sold multiple times may lack the required chain-of-title documentation.
• Credit card debt is unsecured – creditors are willing to negotiate significant reductions.
• Resolve Group attorneys negotiate directly with major issuers including American Express (with significant NJ operations), Chase, Citibank, and Discover.
• Professional settlement typically saves 40 to 55% of the original balance.
• Note: forgiven debt may generate a 1099-C tax form. Consult a tax professional alongside your debt advisor.

Payday loans

New Jersey effectively prohibits traditional payday lending through its 30% interest rate cap on personal loans under $50,000.

• Storefront payday lenders cannot legally operate in New Jersey under these rate caps.
• Online payday lenders routinely circumvent this cap – targeting New Jersey residents with rates far exceeding 30%.
• An online payday lender charging rates above New Jersey’s cap may be violating the New Jersey Consumer Fraud Act – exposing you to treble damages as a counterclaim.
• A licensed New Jersey attorney can assess whether your loan agreement is even legally enforceable before you pay a single dollar.

Student loans

New Jersey’s proximity to major universities and New York’s financial sector creates significant student loan burdens.

• Major institutions include Rutgers University (New Brunswick/Newark/Camden – Middlesex, Essex, Camden Counties), Princeton University (Mercer County), Montclair State University (Essex County), and Seton Hall University (Essex County).
• Federal student loans cannot be included in most debt settlement programs.
• Income-driven repayment plans, Public Service Loan Forgiveness (PSLF), and hardship-based discharge provisions may be available.
• New Jersey state government employees, teachers, and public healthcare workers may qualify for accelerated PSLF timelines.
• Private student loans are unsecured and can sometimes be negotiated or settled similarly to credit card debt.

Veterans & active military

New Jersey hosts one of the most significant joint military installations in the United States.

• Joint Base McGuire-Dix-Lakehurst (Burlington County) – A joint installation combining McGuire Air Force Base, Fort Dix Army Post, and Naval Air Engineering Station Lakehurst. One of the largest military installations in the country, housing tens of thousands of active-duty personnel, reservists, and civilian workers.
• New Jersey is home to a significant veteran population across Burlington, Ocean, and Monmouth Counties.
• Federal law – the Servicemembers Civil Relief Act (SCRA) – caps interest rates at 6% on pre-service debts.
• Military wages and benefits are explicitly exempt from wage execution in New Jersey – providing an additional layer of protection beyond federal law.
• The fear: A debt buyer purchases a pre-service credit card account and files a lawsuit without proper documentation in Burlington County. A service member on deployment misses the response deadline.
• The solution: Resolve Group has verified attorneys specializing in veteran and military debt cases across all three divisions of New Jersey’s federal bankruptcy district – with SCRA expertise and debt buyer documentation defense experience.

Retirees & seniors

New Jersey’s large retiree population – particularly in Ocean and Monmouth Counties – faces compound pressure from high property taxes and healthcare costs on fixed incomes.

• Social Security income is federally protected from most private debt garnishments.
• New Jersey’s tenancy by entirety protection (under NJ state exemptions) is especially valuable for married retirees – a creditor cannot lien jointly-owned marital property for one spouse’s individual debt.
• The Louisa Carman Medical Debt Relief Act’s wage garnishment ban is particularly meaningful for seniors with part-time or fixed income below 600% of the federal poverty level.
• $0 state homestead protection in New Jersey means that retirees with significant home equity must carefully plan bankruptcy strategy – almost always requiring federal exemptions.
• Seniors in Ocean County (Toms River, Lakewood) and Monmouth County are among the most targeted by aggressive collectors given their perceived asset base.
• Resolve Group helps New Jersey retirees understand exactly what creditors can and cannot legally touch – before any account is frozen.

Single parents

Managing debt on a single income in New Jersey – the most expensive state in the nation – is one of the most financially exposed situations a family can face.

• Single parents in Camden, Essex, and Passaic Counties face poverty rates well above state averages.
• New Jersey’s 10% garnishment cap for earners below 250% of the federal poverty level provides real structural protection for single-income households – but only after a judgment is entered. Prevention remains preferable.
• The NJ Consumer Fraud Act’s treble damages provision gives single parents additional legal recourse against deceptive or abusive collectors.
• If you owe more than $20,000 in unsecured debt, Resolve Group’s free consultation shows you a realistic path forward – with no upfront cost and no obligation.
• The fear: Your wages executed at 10% on a single income in America’s most expensive state. A 20-year judgment following your family past 2040.
• The solution: A verified New Jersey attorney negotiates a settlement – and asserts debt buyer documentation defenses – before any judgment is entered.

How does New Jersey debt relief work?

Resolve Group connects you with local, licensed New Jersey attorneys who negotiate directly with your creditors. They use the 6-year statute of limitations, the income-based 10% garnishment cap, the debt buyer documentation requirement, and the Consumer Fraud Act as legal leverage. The goal is to reduce your total balance and provide a court defense when needed. You pay nothing until results are delivered.

Is it worth going through a debt relief program?

Yes – especially if you owe over $20,000 and cannot keep up with payments. New Jersey’s 2nd-highest credit card balances nationally, combined with a 20-year renewable judgment, make inaction extremely costly. A verified attorney can often settle your debt for 40 to 55 cents on the dollar – or have a debt buyer lawsuit dismissed for lack of documentation.

What is the 7-7-7 rule for debt collectors?

Under federal Regulation F (2021), a collector cannot call you more than 7 times within 7 days about the same debt. New Jersey’s Consumer Fraud Act adds further protection – entitling you to treble damages for deceptive or unconscionable collection practices. Report violations to the CFPB, the FTC, and the New Jersey Division of Consumer Affairs at (800) 242-5846.

Will debt relief hurt your credit?

Debt settlement may temporarily lower your score. However, it is almost always better than a 20-year renewable judgment with wage execution running indefinitely. A verified attorney walks you through the exact credit impact before you commit to anything. Note: under the Louisa Carman Medical Debt Relief Act, medical debt can no longer be reported to credit bureaus for services after July 22, 2024 – meaning medical debt settlement has even less credit impact for New Jersey residents.

What is New Jersey’s income-based wage garnishment cap?

Under N.J.S.A. 2A:17-56, if your income is below 250% of the federal poverty level – approximately $37,650/year for a single person in 2026 – creditors can garnish only 10% of your disposable income instead of the federal standard of 25%. An additional $48 per week is always exempt. Military wages are completely exempt from wage execution in New Jersey.

What is New Jersey’s debt buyer documentation requirement?

Under New Jersey Court Rules, a debt buyer must provide the original credit agreement and a complete chain-of-title showing how they acquired the debt before filing a lawsuit. Without this documentation, the lawsuit must be dismissed. This defense only works if you respond to the lawsuit – a default judgment is entered automatically if you ignore the summons.

Can a judgment really follow me for 20 years in New Jersey?

Yes – and it can be revived beyond 20 years. New Jersey judgments are enforceable for 20 years and can be revived by proper court proceedings. During that period, creditors can pursue wage execution, bank levies, and real property liens. At 20 years, a $15,000 debt with post-judgment interest could grow substantially. Resolving it before any judgment is entered is always the better outcome.

Does New Jersey have a homestead exemption to protect my home in bankruptcy?

New Jersey’s state exemptions provide $0 homestead protection. However, New Jersey allows residents to choose federal bankruptcy exemptions, which protect up to $31,575 in home equity ($63,150 for married couples). In New Jersey’s high-value real estate market, this choice is critical. A licensed attorney determines the optimal exemption strategy for your specific situation.

Take control before the court does

New Jersey in 2026 presents a financial paradox. The 2nd highest credit card balances in the nation. The country’s highest cost of living. A 20-year renewable judgment that can follow families for generations. And yet also the Louisa Carman Medical Debt Relief Act – the most comprehensive medical debt protection in the country – along with a 10% garnishment cap for lower earners and powerful debt buyer documentation requirements.

The New Jersey residents who come out ahead act before the lawsuit – when debt buyer documentation can be challenged, when statutes of limitations can be checked, and before a 20-year judgment clock starts running.

• The fear: A 20-year renewable judgment in Bergen or Essex County. Wage execution at 10% or 25% indefinitely. A lien on your home – with $0 state homestead protection.
• The solution: A verified, local New Jersey attorney acts before the judgment is entered – asserting debt buyer documentation defenses, the income-based garnishment cap, and every protection the Consumer Fraud Act provides.

Use the free CheckDebt Tool to evaluate your situation now. Then complete the form below to start your free consultation.

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