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Collection Laws Articles

Colorado Collection Laws

Bills.com TeamSeptember 25, 2023

Learn 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...

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Maryland Collection Laws

Mark CappelSeptember 25, 2023

Learn 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...

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Mississippi Collection Laws

Bills.com TeamSeptember 25, 2023

Learn Mississippi Collection Laws, including the Mississippi statute of limitations for credit card and other debts, and how your can stop a wage...

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Community Debt After Divorce

Mark CappelSeptember 25, 2023

Learn about California Community Property Law and see how it could effect your debt responsibilities if you are going through a divorce.

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Oregon Collection Laws

Bills.com TeamSeptember 25, 2023

Learn the statute of limitations for credit card and other debts in Oregon (hint: they're long), and the state's consumer friendly anti-garnishment...

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Indiana Collection Laws

Mark CappelSeptember 25, 2023

Learn the statute of limitations for credit card and other debts, and what amount is exempt from an account levy in Indiana. The first $350...

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South Carolina Collection Laws

Daniel CohenSeptember 25, 2023

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...

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Tennessee Collection Laws

Mark CappelSeptember 25, 2023

Learn the statute of limitations for credit card and other debts, and how Tennessee wage and account garnishment exemptions can shield your assets from...

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Oklahoma Collection Laws

Mark CappelSeptember 25, 2023

Oklahoma collection laws are consumer friendly. Learn the statutes of limitations and the standards of proof collection agents must reach to sue a consumer...

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Michigan Collection Laws

Bills.com TeamSeptember 25, 2023

Learn Michigan Michigan Collection Laws, including the Michigan statute of limitations for credit card and other debts, and how your can stop a wage...

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Right of Reinstatement on Vehicle Loan

Mark CappelSeptember 25, 2023

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...

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Nevada Collection Laws

Daniel CohenSeptember 25, 2023

Under Nevada collection law, the statute of limitations is 6 years. Credit cards have a 4-year statute of limitations in some cases and courts. Wage...

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Co-Signer Rights on House or Car

Erik MartinSeptember 25, 2023

What rights does a co-signer have? Learn about co-signer rights to property and what rights a co-signer have on a car.

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GI Loan Default

Mark CappelSeptember 25, 2023

Get information on recourse options available to creditors of GI loans in default. Learn more at Bills.com

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Georgia Collection Laws

Daniel CohenSeptember 25, 2023

Learn about Georgia collection laws | Georgia collection laws are different than in other states. In Georgia, the most common method used by judgment-creditors

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Debt Validation

Daniel CohenSeptember 25, 2023

Debt 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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Charge Off & Merged Banks

Mark CappelSeptember 25, 2023

Charge 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

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Tennessee 39-14-116. Hindering secured creditors

Mark CappelSeptember 25, 2023

Tennessee is unique in that it criminalizes what is most often a civil matter in other states.

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Restart Statute of Limitations

Mark CappelSeptember 25, 2023

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...

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Wisconsin Collection Laws

Daniel CohenSeptember 25, 2023

The 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

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California Collection Laws

Bills.com TeamSeptember 25, 2023

California 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

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Getting Sued by a Creditor

Mark CappelSeptember 25, 2023

See 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

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Debt Verification

Mark CappelSeptember 25, 2023

The standard for validating/verifying a debt are very low. Learn what federal courts say is sufficient validation...

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Minor and Debt Responsibility

Mark CappelSeptember 25, 2023

Credit card companies will sometimes approve credit lines for minors, read more about an interesting scenario at Bills.com

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Community Property Debt

Mark CappelSeptember 22, 2023

Community Property Debt | Assets and obligations of one partner acquired during the marriage become 'community' assets or obligations. This can mean one...

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Louisiana Collection Laws

Bills.com TeamSeptember 22, 2023

Learn the statute of limitations for credit card and other debts in Louisiana, and the state's consumer friendly rules for wage garnishment...

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New York Collection Laws

Mark CappelSeptember 22, 2023

Learn how New York law protects you if you are threatened with a lien, account levy, wage garnishment, repossession or foreclosure. Payday loans are illegal...

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Minnesota Collection Laws

Mark CappelSeptember 22, 2023

Learn the statute of limitations for credit card and other debts, and Minnesota's peculiar mortgage anti-deficiency laws. A Minnesota judgment becomes a lien...

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Washington Collection Laws

Daniel CohenSeptember 22, 2023

Learn 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...

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Community Property

Bills.com TeamSeptember 22, 2023

10 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...

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Virginia Collection Laws

Mark CappelSeptember 22, 2023

Learn 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...

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Three-State Statute of Limitations

Mark CappelSeptember 22, 2023

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...

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Can My Bank Account be Levied?

Mark CappelSeptember 22, 2023

Account Levy is allowed for judgments. Also, state and federal agencies have the right to levy accounts on their own authority. However, exemptions apply...

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Kentucky Collection Laws

Daniel CohenSeptember 22, 2023

Learn the statute of limitations for credit card and other debts in Kentucky, and the state's consumer unfriendly rules for account levy, liens and...

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Debt Collection

Daniel CohenSeptember 22, 2023

It'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...

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Connecticut Collection Laws

Bills.com TeamSeptember 22, 2023

Learn 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...

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How Long Will a Judgment Last

Daniel CohenSeptember 22, 2023

How Long Will a Judgment Last? | Get information on how long judgments last on your credit reports. Get credit smart at Bills.com

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Collection Laws & Exemptions

Aly J. YaleSeptember 22, 2023

Collection laws and exemptions vary from state to state. Protect yourself and your assets by learning the homestead, vehicle, and bank account exemptions...

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Indiana Garnishment Rules

Mark CappelSeptember 22, 2023

Creditors are allowed to garnish between 10% and 25% of your wages, with the percentage allowed being determined by each state.

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Reaffirmation

Mark CappelSeptember 22, 2023

Reaffirmation | A debt reaffirmation is an agreement in which the debtor agrees to repay a debt even if it was discharged in a bankruptcy.

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California Statute of Limitations

Bills.com TeamSeptember 21, 2023

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...

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Old Judgment Collection

Mark CappelSeptember 21, 2023

A creditor is garnishing my wages for a debt that is 10+ years old. How is this possible?

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Vermont Collection Laws

Mark CappelSeptember 21, 2023

In Vermont, the statute of limitations for open accounts (credit cards) is three years, and written contracts have a statute of limitations of six years.

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New York Spousal Liability for Debt

Daniel CohenSeptember 21, 2023

New York Spousal Liability for Debt | Free tips about New York spousal liability for debt issues

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Enforcing Out-of-State Judgment

Mark CappelSeptember 21, 2023

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

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Summons for American Express Debt

Mark CappelSeptember 21, 2023

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

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Barred Debt

Daniel CohenSeptember 21, 2023

Under 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

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California Clerk Judgment

Mark CappelSeptember 21, 2023

Clerk Judgment | California law allows a court clerk to enter a default judgment against the defendant without a court hearing or judicial action

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NY Statute of Limitations

Mark CappelSeptember 21, 2023

The 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.

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Nebraska Collections

Mark CappelSeptember 21, 2023

I found no evidence that it is illegal to collect a debt less that $100 in Nebraska or report it to a credit reporting agency.

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