Collection Laws Articles
How Long Will a Judgment Last? | Get information on how long judgments last on your credit reports. Get credit smart at Bills.com
Read moreLearn the statutes of limitations for Connecticut, and the length of time a lien lasts when attached to personal or real property. Credit cards have a 3-year...
Read moreIt's never fun to receive a phone call from a debt collector, especially one who's aggressive. Stay calm, follow these 7 steps, and you may be able to avoid...
Read moreLearn the statute of limitations for credit card and other debts in Kentucky, and the state's consumer unfriendly rules for account levy, liens and...
Read moreCan My Bank Account be Levied?
Account Levy is allowed for judgments. Also, state and federal agencies have the right to levy accounts on their own authority. However, exemptions apply...
Read moreThree-State Statute of Limitations
Three-State Statute of Limitations Conflict | Review the SOL jurisdiction implications when a debtor moves from one state to another and the creditor is in a...
Read moreLearn the statute of limitations for credit card and other debts, and how to apply for a $5,000 wage and account garnishment exemption available to Virginia...
Read more10 states offer community property family law. If you live in a community property state, creditors may be able to collect from you even if you knew nothing...
Read moreLearn the statute of limitations for credit cards and other debts, Washington's anti-deficiency law, and how much is exempt in a wage garnishment or account...
Read moreLearn the statute of limitations for credit card and other debts, and Minnesota's peculiar mortgage anti-deficiency laws. A Minnesota judgment becomes a lien...
Read moreLearn how New York law protects you if you are threatened with a lien, account levy, wage garnishment, repossession or foreclosure. Payday loans are illegal...
Read moreLearn the statute of limitations for credit card and other debts in Louisiana, and the state's consumer friendly rules for wage garnishment...
Read moreRight of Reinstatement on Vehicle Loan
Right of Reinstatement on a Vehicle Loan | Some states allow a person whose car was repossessed to reinstate their loan, if they can catch up on...
Read moreLearn Michigan Michigan Collection Laws, including the Michigan statute of limitations for credit card and other debts, and how your can stop a wage...
Read moreOklahoma collection laws are consumer friendly. Learn the statutes of limitations and the standards of proof collection agents must reach to sue a consumer...
Read moreLearn the statute of limitations for credit card and other debts, and how Tennessee wage and account garnishment exemptions can shield your assets from...
Read moreSouth Carolina Collection Laws
Learn the statute of limitations for credit card and other debts in Colorado, and the state's tough rules for wage garnishment and account levy...
Read moreLearn the statute of limitations for credit card and other debts, and what amount is exempt from an account levy in Indiana. The first $350...
Read moreLearn the statute of limitations for credit card and other debts in Oregon (hint: they're long), and the state's consumer friendly anti-garnishment...
Read moreLearn about California Community Property Law and see how it could effect your debt responsibilities if you are going through a divorce.
Read moreLearn Mississippi Collection Laws, including the Mississippi statute of limitations for credit card and other debts, and how your can stop a wage...
Read moreLearn the statute of limitations for credit card and other debts, and how to apply for a $6,000 account levy exemption available to Maryland residents...
Read moreLearn the statute of limitations for credit card and other debts in Colorado, and the state's unusual rules for the life of judgments, which is 6 or 20 years...
Read moreCredit card companies will sometimes approve credit lines for minors, read more about an interesting scenario at Bills.com
Read moreThe standard for validating/verifying a debt are very low. Learn what federal courts say is sufficient validation...
Read moreClerk Judgment | California law allows a court clerk to enter a default judgment against the defendant without a court hearing or judicial action
Read moreUnder common law, the acknowledgment must be in writing and convey the idea the debtor promises to pay the debt. Not surprisingly, many state legislatures wrote
Read moreSummons for American Express Debt
American Express wants a resolution to your debt now. Negotiating a lump-sum settlement is a compromise that will clear the debt from American Express's books a
Read moreEnforcing Out-of-State Judgment
Questions concerning enforcing judgments across state borders are difficult to answer with general, one-size-fits-all replies. The facts in each case are signif
Read moreNew York Spousal Liability for Debt
New York Spousal Liability for Debt | Free tips about New York spousal liability for debt issues
Read moreIn Vermont, the statute of limitations for open accounts (credit cards) is three years, and written contracts have a statute of limitations of six years.
Read moreA creditor is garnishing my wages for a debt that is 10+ years old. How is this possible?
Read moreCalifornia Statute of Limitations
California Statute of Limitations | California statute of limitations for debt related to a written contract is four years, and an oral contract is two years...
Read moreCommunity Property Debt | Assets and obligations of one partner acquired during the marriage become 'community' assets or obligations. This can mean one...
Read moreReaffirmation | A debt reaffirmation is an agreement in which the debtor agrees to repay a debt even if it was discharged in a bankruptcy.
Read moreCreditors are allowed to garnish between 10% and 25% of your wages, with the percentage allowed being determined by each state.
Read moreCollection laws and exemptions vary from state to state. Protect yourself and your assets by learning the homestead, vehicle, and bank account exemptions...
Read moreAn original creditor is not required by law to notify a debtor it sold the debtor's collection account to a third party. Therefore, I do not see any illegal act
Read moreNew York Statute of Limitations
According to the Laws of New York CVP Article 2 section 213, a plaintiff has six years to take action on a contractual obligation or liability.
Read more2018 Starts with Higher Debt Level
Household Debt is over $13.5 Trillion. Going into 2019 US Household Debt is at all-time highs. During 2018 overall debt levels increased by about 3%. While...
Read moreThe statute of limitations for some New Jersey debts is 6 years. Wage garnishment is limited to 10% of net take-home pay. Judgments have a 20-year life, and...
Read moreI found no evidence that it is illegal to collect a debt less that $100 in Nebraska or report it to a credit reporting agency.
Read moreThe utility is within its rights in New York to refuse to do business with a former customer who has an outstanding balance on their account.
Read moreSee what steps you need to take if you are getting sued by a creditor. Bills.com has the tips and resources you can use to settle a legal suit by a creditor
Read moreCalifornia collection laws | If you live in California and have a delinquent debt, it is important to know the California collection laws, to protect yourself f
Read moreThe statute of limitations for most forms of debt in Wisconsin is six years. Under Wisconsin law, a resident cannot have their wages garnished for a delinquent
Read moreRestart Statute of Limitations
You do not reset the statute of limitations on your debt when you move to another state. However, your new state may have a different statute of limitations...
Read moreTennessee 39-14-116. Hindering secured creditors
Tennessee is unique in that it criminalizes what is most often a civil matter in other states.
Read moreCharge off & Statute of Limitations | Free tips from bills.com about debt collection on an account in charge off status and the statute of limitations for debt
Read moreDebt Validation | If the debt collector has a bare account and the consumer seeks a debt validation, the collector has no means to validate the bare account...
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