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New Jersey Invoice Guard™s Statute of Limitations

Below you will find important information on New Jersey state debt recovery laws including: New Jersey Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.


Interest Rate

  • Legal: up to 30% – as provided for by contract
  • Judgment: Changes yearly. In 2007 – 4% on judgments up to %15,000. On judgments in excess of $15,000, an additional 2% is added to the interest rate.


  • Open Account: 6
  • Sale of Goods: 4
  • Written Contract: 6
  • Domestic Judgment: 20
  • Foreign Judgment: 20
  • Auto Deficiency: 4


Face amount of the check plus 3x the face value of the check, with the civil penalty not to exceed $500.


$154.50 week min. 10% of gross earnings $154.50 & over.

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Fixed Rate Collections makes it a common practice to speak directly with any potential clients wishing to gain access to the Fixed Rate Collections debt collection network. To get the signup process started, please fill out the form below and we will contact you within 12 business hours, or you may contact us immediately at 1-321-319-4131

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    "As a small businessman, I need all my money just to make ends meet. Using Invoice Guard™ has saved me money. As soon as I turned the account over to them, they called my Debtor and he brought a check right over to me."   Read More "Our company thinks your program is fantastic. As a contractor, we always have issues with our payables. You guys are the best! It’s nice to find a product that really is a great value."
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