The New Jersey state debt collection law requires all debt collectors to obtain a state license and pay a fee. The Act does not, however, provide a private remedy, and it appears that the New Jersey courts would not allow a consumer to bring a lawsuit for a violation of the Act. Thus, New Jersey residents faced with abusive or harassing collection tactics will receive the most protection and benefit from the FDCPA.
If you believe that a collector has behaved inappropriately while attempting to collect a debt from you in New Jersey, our attorneys can help you to determine whether the FDCPA provides you with a legal remedy.
To learn more about the FDPCA, go to Federal Debt Collection Practices Act.
New Jersey Fair Debt Collection Practices Act 45:18-1 et seq.