What are the wage garnishment laws for payday loans in New Jersey?

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I also have been looking into this and it seems the state wage garnishment laws are 10% of your gross income. Payday loans are prohibited in the state of NJ and they do have a usury law set in place. I do not know what our rights as consumers are when it comes to these internet payday companies. They state that we have to abide by their (payday loan sharks) state rules. I hope this is something, I have been trying to get out of this mess.
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