What is the statute of limitations to file a debt collection lawsuit?
In New Jersey, the statute of limitations for filing a debt collection lawsuit is six years, counting from the date of default. The date of default is roughly 30 days after you last made a payment. In other words, if you last made a payment on your credit card in December 2000, you can be sued for that debt until approximately January 2007. However, if the creditor obtains a judgment against you within the six‑year period, the statute of limitations to collect on the judgment is 20 years. 16. Can a debt collector contact me about a debt that is past the statute of limitations? Yes. It is perfectly legal for a debt collector to contact you about an old debt that is past the statute of limitations. Furthermore, if you make a payment on that debt, you will reset the statute of limitations, and the creditor will have another six years in which to sue you. 17. Can a creditor sue me for a debt that is past the statute of limitations? Yes. It is legal for a creditor to sue you for an old debt
