Credit questions

Factual Questions
1

I’m in NJ and need help finding out the following. I need actual sites rather than opinions so I am posting here

  1. Is the statute of limitations for a credit card in New Jersey 6 years 4 years or 3 years?

  2. If a business credit card is secured by a Personal Guarantee does collections of the card fall under the FDPA?

  3. If an accout was charged off and purchased by a collection agency can it be reported as an Installment account

  4. If 3 is yes can it also report a 1 month terms?

If anyone laywers reply I understand that the information you give is general and may or may not apply to me and further any replies does not make a lawyer client relationship.

Thanks in advance