Debt collections track-sheet to keep eye of all your conversation with debt collectors?

1. Note down date and time of debt collector’s call:______________________________
   
   
2. When ever debt collector called please note down where were you at the time of call as for example at home or at work etc. ________________________________________
   
   
3. Please do ask from which debt collection agency you are talking about and note down the collector address and the person name from which you are talking._______________________________________________________
   
   
4. Always be remember to write down collector’s phone number_________________
   
   
5. The best way to track you debt collectors is to write down your discussion in point wise.____________________________________________________
   
   
6. What offer does a debt collector is offer you to pay your debt? ____________________________________________________________
   
   
7. The most important among this is how the debt collector is talking to you? is he/she is using threats words? If yes, describe his threats in note book.________________________________________________________
   
   
8. Did the debt collector’s is trying to create physical or emotional problem? If yes, describe them?_________________________________________________________
   
   
9. Additional Notes if any:____________________________________________
   _____________________________________________________________

Does someone owe you money for the product or service you provided? Contact National Asset Management to get paid. NAM is a Full Service, Attorney Based, Debt Collection Agency in USA.

How to File Bankruptcy?

Filling for bankruptcy can be a difficult thing to accept, however, this law was put into effect to protect people. Prior to filing bankruptcy, ensure that there are no other options. Once a person does file, bankruptcy stays on their credit records for up to ten years.
If a person has no other option but to file, bankruptcy can come in two common types: straight liquidation bankruptcy, or a repayment plan. A person should thoroughly research both options prior to filing for bankruptcy to ensure they are making the proper decision. If it is available, legal advice may be helpful.
After deciding which method an individual will utilize when filing for bankruptcy, they should then determine the fee that will be owed for filing. Fees can vary depending on the amount of debt and the type of bankruptcy one is filing. Filing can be done online, but if one chooses to do so it is suggested that fees not be paid using their credit cards.
After filing, an individual will then be faced with different meetings with creditors to determine the bankruptcy and how in depth it is. A creditor has up to 60 days to file a lawsuit against the individual who is filing bankruptcy if they feel there are fraudulent acts taking place resulting in the bankruptcy filing.
When filing for bankruptcy it is important to keep copies of all your documents as well as those from your lawyer. When filing for bankruptcy, your employer will not be notified unless they are a creditor. However, all filed bankruptcies are public records.

Statute Of Limitations For Debts New Jersey

The below chart is a rough guide line for statutes of limitations in New Jersey.

Contracts : 6 years

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Conversion of an instrument for money : 3 years

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Fraud : 6 years

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Product Liability : 2 years from the date of the act or omission giving rise to the complaint

2 years from the date the injury was or reasonably should have been discovered.

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Foreign judgments : 20 years (unless period in origination jurisdiction is less)

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Defamation : 1 year

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Injury to personal property : 6 years

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Intentional Torts : 1 year

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Judgments : 20 years (renewable)

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Libel : 1 year

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Medical malpractice : 2 years from date of act giving rise to injury

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Minors : begins on 21st birthday

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Negligence causing personal injury : 2 years from time of discovery

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Open Accounts : 6 years

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Oral Agreements : 6 years

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Personal Injury : 2 years from date of injury

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Slander : 1 year

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Written Contracts : 6 years

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Wrongful Death : 2 years from date of death