Collection Laws Articles

Co-Signer Rights on House or Car

Erik MartinJune 12, 2022

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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Collection Laws & Exemptions

Aly J. YaleMay 3, 2022

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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Texas Community Property

Bills.com TeamApril 22, 2020

Texas Community Property Law and your spouse's debt. In Texas, creditors must follow a 4-step process to determine if they can collect from the non-debtor...

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Ohio Collection Laws

Daniel CohenSeptember 17, 2019

Ohio collection laws are creditor-friendly and tought onc consumers. The statutes of limitations on debt are length and judgments can be renewed repeatedly. If

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Arizona Collection Laws

Bills.com TeamSeptember 16, 2019

In Arizona, the statute of limitations for oral contracts is 3 years, and written contracts and credit cards is 6 years. Arizona is a...

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Nevada Collection Laws

Daniel CohenSeptember 14, 2019

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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Georgia Collection Laws

Daniel CohenSeptember 14, 2019

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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Wisconsin Collection Laws

Daniel CohenSeptember 3, 2019

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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2018 Starts with Higher Debt Level

Betsalel CohenFebruary 17, 2019

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...

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Washington Collection Laws

Daniel CohenJanuary 23, 2019

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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Washington Community Property

Bills.com TeamFebruary 12, 2017

Washington Community Property Law and your spouse's debt. In Washington, whether a spouse is liable for a debt depends on the source of the debt, and..

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Arizona Community Property

Bills.com TeamFebruary 11, 2017

Arizona Community Property Law and your spouse's debt. In Arizona, creditors cannot touch your community property for premarital debt. However...

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Nevada Community Property

Bills.com TeamFebruary 11, 2017

Nevada Community Property Law and your spouse's debt. In Nevada, creditors must have signatures from both spouses to collect the debt from the...

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Debt Validation

Daniel CohenMay 18, 2016

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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Debt Collection

Daniel CohenMarch 21, 2016

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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Statute of Limitations

Daniel CohenApril 27, 2015

Statute of limitations | When the statute of limitations on collecting a debt is reached, you may not have to pay the debt, but collectors can still try to...

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Statute of Limitations on Debt

Bills.com TeamJanuary 30, 2015

Learn your state's statute of limitation laws for credit card & other debt. Find the maximum interest rate collectors can charge, and if you are liable for...

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Can My Bank Account be Levied?

Mark CappelNovember 5, 2014

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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Am I Liable for Debt My Wife Incurred Before Marriage

Mark CappelAugust 12, 2014

My wife got a car with her dad before we got married. If the car is repossessed will they be able to garnish my wages?

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California Collection Laws

Bills.com TeamAugust 11, 2014

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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Wisconsin Community Property

Bills.com TeamAugust 11, 2014

Wisconsin Community Property Law and your spouse's debt. Wisconsin liability law is tricky. Courts must first classify a debt, and then determine if...

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Louisiana Community Property

Bills.com TeamAugust 11, 2014

Louisiana Community Property Law and your spouse's debt. Louisiana classifies debts as separate and community. In many cases, creditors can collect...

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Community Property

Bills.com TeamAugust 11, 2014

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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Mississippi Collection Laws

Bills.com TeamAugust 8, 2014

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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Texas Collection Laws

Daniel CohenJune 18, 2014

Under Texas collection law, most debt-related statutes of limitation are 4 years in length. Wage garnishment is outlawed for most consumer debts in Texas...

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Michigan Collection Laws

Bills.com TeamMarch 27, 2014

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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Restart Statute of Limitations

Mark CappelJanuary 25, 2014

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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Oregon Collection Laws

Bills.com TeamJanuary 3, 2014

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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Virginia Collection Laws

Mark CappelJanuary 3, 2014

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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Iowa Collection Laws

Bills.com TeamNovember 7, 2013

Learn about Iowa's wage garnishment, statutes of limitations, and levy rules.

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Pennsylvania Collection Laws

Daniel CohenOctober 31, 2013

Learn the Pennsylvania rules for statute of limitations, wage garnishment, and bank levies. Wage garnishment is not allowed with two exceptions. Account levy...

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Massachusetts Collection Laws

Mark CappelOctober 22, 2013

The statute of limitations for the collection of most consumer debts in Massachusetts is 6 years. The state outlaws foreclosure when a loan modification...

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Connecticut Collection Laws

Bills.com TeamSeptember 13, 2013

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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North Carolina Collection Laws

Daniel CohenSeptember 12, 2013

The statute of limitations for the collection of most consumer debts in North Carolina is three years. Wage garnishment is highly restricted but account levy...

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Oklahoma Collection Laws

Mark CappelSeptember 11, 2013

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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Kentucky Collection Laws

Daniel CohenSeptember 9, 2013

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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Louisiana Collection Laws

Bills.com TeamSeptember 4, 2013

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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South Carolina Collection Laws

Daniel CohenJuly 8, 2013

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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Colorado Collection Laws

Bills.com TeamJuly 2, 2013

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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Minnesota Collection Laws

Mark CappelJune 28, 2013

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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Maryland Collection Laws

Mark CappelMay 31, 2013

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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Tennessee Collection Laws

Mark CappelMay 30, 2013

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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Indiana Collection Laws

Mark CappelMay 23, 2013

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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New Jersey Collection Laws

Bills.com TeamMarch 18, 2013

The 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...

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New York Collection Laws

Mark CappelMarch 7, 2013

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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Right of Reinstatement on Vehicle Loan

Mark CappelSeptember 19, 2012

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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Debt Verification

Mark CappelAugust 9, 2012

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

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Three-State Statute of Limitations

Mark CappelJune 26, 2012

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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California Statute of Limitations

Bills.com TeamMay 9, 2012

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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Barred Debt

Daniel CohenFebruary 22, 2011

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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