Collection Laws
State Consumer Protection Laws and Exemptions
Listed below you will find consumer protection laws and exemptions by state. This information can be used for your reference, but it is not legal advice. Consult your lawyer or attorney for legal advice specific to your situation.
While we believe this information to be accurate as of the date of its posting, we cannot guarantee the accuracy of the information provided. You should consult with an attorney in your state for specific information regarding laws and exemptions in your state.
| Exemptions | Statute of Limitations (yrs) | Community Property | Judgement Rate | ||||||
|---|---|---|---|---|---|---|---|---|---|
| FDCPA Applies | Homestead Exemption | Auto Exemption | Bank Account | Wages | Retirement Plans | ||||
| Alabama | $5000(can double) | None | $3,000 | 75% | 3 | 12.00% | |||
| Alaska | $54,000 | $3,000 | $0 | $602.50/wk (head of family) or $402.50/wk (non-head of family) | 3 | Yes | 10.50% | ||
| Arizona | $100,000 | $2,500 | $150 | 75% | 3 | Yes | 10.00% | ||
| Arkansas | Unlimited(<1/4 acre) | $1,200 | $800 or $1250 | 75% | 3 | 10.00% | |||
| California | Yes | 50k(sing.)75k(marry), $125K(65 or disabled) | $5000 (2x) | $0 | 75% | 4 | Yes | 10.00% | |
| Colorado | $30,000 | $1,000 | None | 75% | 3 | 8.00% | |||
| Connecticut | $75,000 | $1,500 | $1,000 | 75% | 6 | 10.00% | |||
| Delaware | None(if both owe $) | None | $500 | 85% (disposable) | 4 | FedDisc+5 | |||
| D.C. | Yes | Unlimited | $2,575 | $850 | 75% | 3 | 70% IRS% | ||
| Florida | Yes | Unlimited | $1,000 | None | 100%(head of family only) or 75% for non-head of household | 4 | 10.00% | ||
| Georgia | $10,000(can double) | $3500(2x) | $600 | 75% | 4 | 10.00% | |||
| Hawaii | Yes | $30,000 | $2,575 | None | 80% | 6 | Treasury+5 | ||
| Idaho | $50,000 | $3,000 | $800 | 75% | 4 | Yes | 9.00% | ||
| Illinois | $15,000(can double) | $1,200 | $2,000 | 85% of gross | 5 | 8.00% | |||
| Indiana | $7500(can double) | None | $4,000 | 75% | 6 | 8.00% | |||
| Iowa | Yes | Unlimited | $5,000 | $100 | 75%, but yearly total limited | 5 | Treasury+2 | ||
| Kansas | Unlimited | $20,000 | None | 75% | 3 | FedDisc+4 | |||
| Kentucky | $5,000 | $2,500 | $1,000 | 75% | 5 | 12.00% | |||
| Louisiana | $25,000 | None | None | 75% | 3 | Yes | 8.00% | ||
| Maine | $25,000(ask) | $5,000 | $400 | 75% | 6 | Treasury+6 | |||
| Maryland | Yes | None(if both owe $) | $2,500 | $3,000 | 75% | 3> | 10.00% | ||
| Massachusetts | Yes | $300,000 | $700 | $425 | 75% | 6 | 12.00% | ||
| Michigan | Yes | $3,500 | None | None | 75% | 6 | 13.00% | ||
| Minnesota | $200,000 | $3,600 | None | 75% | 6 | 4.00% | |||
| Mississippi | $75,000 | $10,000 | None | 75% | 3 | 8.00% | |||
| Missouri | $8,000 | $1,000 | $1,250 | 75% | 5 | 9.00% | |||
| Montana | $60,000 | $2,500 | None | 75% | 5 | 10.00% | |||
| Nebraska | $12,500 | $2,500 | 2500-Auto | 85% | 4 | Treasury+2 | |||
| Nevada | $125,000 | $4,500 | None | 75% | 4 | Yes | Prime+2 | ||
| New Hampshire | Yes | $30,000 | $4,000 | $8,000 | 75% | 3 | Treasury+2 | ||
| New Jersey | None(if both owe $) | $1,000 | 1000-Auto | 90% of gross | 6 | Varies | |||
| New Mexico | Yes | $30,000(may double) | $4,000 | $2,000 | 75% | 4 | Yes | 8.75% | |
| New York | Yes | $10,000(may double) | $2400(2x) | $2,500 | 90% of gross | 6 | 9.00% | ||
| North Carolina | Yes | $10,000(may double) | $1,500 | $500 | 100% | 3 | 8.00% | ||
| North Dakota | $80,000 | $1,200 | $7,500 | 75% | 6 | 12.00% | |||
| Ohio | $5,000 | $1,000 | $400(2x) | 75% | 15 | FedShort+3 | |||
| Oklahoma | Unlimited | $3,000 | None | 75% | 3 | Treasury+4 | |||
| Oregon | Yes | $25,000(30K couple) | $1700(2x) | $400 | 75% | 6 | 9.00% | ||
| Pennsylvania | Yes | None(if both owe $) | None | $300 | 100% | 4 | 6.00% | ||
| Rhode Island | $150,000 | $10,000 | None | 75% | 10 | 12.00% | |||
| South Carolina | Yes | $5000(can double) | $1,200 | $1,000 | 100% | 3 | Prime+4 | ||
| South Dakota | Unlimited | $6,000 | 6k-Auto | 75% | 6 | 10.00% | |||
| Tennessee | $5000(7.5K couple) | $4,000 | 4k-Auto | 75% | 6 | 10.00% | |||
| Texas | Yes | Unlimited | Unlimited | None | 100% | 4 | Yes | 18.00% | |
| Utah | $20,000(can double) | Unlimited | None | 75% | 4 | FedJudg+2 | |||
| Vermont | Yes | $75,000(can double) | $2,500 | $1,100 | 75% | 6 | 12.00% | ||
| Virginia | $5000(+$500/kid 2x) | $2,000 | None | 75% | 3 | 6.00% | |||
| Washington | $40,000 | $2,500 | $200 | 75% | 5 | Yes | Contract | ||
| West Virginia | Yes | $25,000(can double) | $2,400 | $800+ | 75% | 5 | 11.00% | ||
| Wisconsin | Yes | $40,000 | $1200+ | $1,000 | 75% | 6 | Yes | 12.00% | |
| Wyoming | $10,000(can double) | $2,400 | None | 75% | 8 | 10.00% | |||
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