New Jersey Fair Debt Collection Law
New Jersey doesn't have a state fair debt collection law (only a law requiring debt collection agencies to be licensed), so if you've been the victim of debt collector harassment, your best bet is to use the federal Fair Debt Collection Practices Act (FDCPA) to bring the debt collection agency to justice. The FDCPA makes certain debt collector tactics illegal, and gives you the right to sue a debt collection agency in federal court. If the debt collection agency has broken the law, you can receive actual expenses, attorney fees, and up to $1,000.
With the help of a fair debt attorney, you can often reach a settlement with a debt collection agency that either puts money in your pocket or erases part or all of that debt. Complete the form to the right, and the legal team at StopCollector.com will provide you with a free case evaluation. If the debt collector has violated the FDCPA, we'll take your case absolutely free.
File a Complaint
Even though New Jersey doesn't have a separate fair debt collection law or fair credit reporting law, you should still file a complaint with the New Jersey Attorney General. Often, attorneys general use consumer complaints as the basis for filing lawsuits against debt collection agencies. Filing a complaint is a way of making your voice heard, and of helping to put a stop to unethical debt collection practices.
You can download a complaint form from the New Jersey Attorney General's office by clicking here.
Here's the contact information to call or send a written complaint to the Attorney General's office:
Attorney General's Office
Division of Consumer Affairs
124 Halsey Street
Newark, NJ 07102
973-504-6200 or 800-242-5846
You should also file a complaint with the Federal Trade Commission (FTC). The FTC is responsible for enforcing the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. It looks at patterns of consumer complaints and holds shady debt collection agencies accountable by suing them and fining them. It’s also required to provide Congress with an annual report about debt collection and credit reporting practices that includes the number of consumer complaints filed. You can file a complaint with the FTC by clicking here.
If you have been the victim of harassment or illegal or unfair debt collection practices, contact the Fair Debt Attorneys at Lemberg & Associates immediately to discuss your options and protect your rights. When you owe creditors money, you are protected by the Fair Debt Collection Practices Act, as well as other federal and state laws. If a debt collector has violated your rights, you may be entitled to up to $1000 in damages, and they may even have to pay your attorney fees. Sergei Lemberg, and the attorneys at Lemberg & Associates have helped countless people to assert their legal rights with debt collectors. Don't be intimidated by illegal debt collection practices. For more information, contact Lemberg & Associates today at .