Hi and thank you for your question.
Generally the New Jersey Statutes of Limitations are for 6 years for debt collection. This time can be restarted based on payments, or other collection action.
Credit card debts would be dischargeable in bankruptcy cases. Otherwise, you would need to negotiate with their attorneys to set up a repayment plan. In the case, ask the creditor to provide verification of the debt, and ask them to prove the statute has not run.
Unfortunately, student loans and educational debt are not dischargeable in bankruptcy cases, so you would need to work something out with these lenders directly to get on a repayment plan or have them deferred to when you are back working.
You can always request them to provide you with proof of the judgment.
Thank you for your question, good luck to you.
Sorry for getting back to you little late, got some family emergency,
Now what I do with the court notice I have received and what is the impact of mutiple court judgement on my earnings (like wage garnishments, do they get effected at once or I pay a certain percentage)
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