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Collection Laws Articles

Nebraska Collections

Mark CappelDecember 2, 2022

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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NY Statute of Limitations

Mark CappelDecember 2, 2022

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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Getting Sued by a Creditor

Mark CappelDecember 1, 2022

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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California Collection Laws

Bills.com TeamDecember 1, 2022

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 Collection Laws

Daniel CohenDecember 1, 2022

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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Restart Statute of Limitations

Mark CappelDecember 1, 2022

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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Tennessee 39-14-116. Hindering secured creditors

Mark CappelDecember 1, 2022

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

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Charge Off & Merged Banks

Mark CappelDecember 1, 2022

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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Debt Validation

Daniel CohenDecember 1, 2022

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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Georgia Collection Laws

Daniel CohenDecember 1, 2022

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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GI Loan Default

Mark CappelDecember 1, 2022

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

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Co-Signer Rights on House or Car

Erik MartinDecember 1, 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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Nevada Collection Laws

Daniel CohenDecember 1, 2022

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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Iowa Collection Laws

Bills.com TeamDecember 1, 2022

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

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Alabama Collection Laws

Bills.com TeamDecember 1, 2022

The statute of limitations on Alabama debt is 3 years for credit cards, and 6 or 10 years on written contracts. Wage garnishment is allowed and follows...

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Lawsuit on a Six Year Old Deficiency Balance

Mark CappelDecember 1, 2022

Get more information about lawsuits on deficiencies. Learn about statute of limitations and more at Bills.com

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Illinois Collection Laws

Mark CappelDecember 1, 2022

A judgment is a declaration by an Illinois court that the creditor has the legal right to demand a wage garnishment, a levy on the debtor's bank accounts, and a

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Arizona Collection Laws

Bills.com TeamDecember 1, 2022

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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Pennsylvania Collection Laws

Daniel CohenDecember 1, 2022

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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Ohio Collection Laws

Daniel CohenDecember 1, 2022

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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North Carolina Collection Laws

Daniel CohenDecember 1, 2022

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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Collection on Title Loan

Mark CappelDecember 1, 2022

Collection on title loan |A title loan offers you cash from the lender, with the title of your paid-for vehicle as security. Never take a title loan without...

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Massachusetts Collection Laws

Mark CappelDecember 1, 2022

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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Missouri Collection Laws

Daniel CohenDecember 1, 2022

A Missouri judgment is a declaration by a court that the creditor has the legal right to demand a wage garnishment, a levy on the debtor's bank accounts, and...

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Kansas Collection Laws

Mark CappelDecember 1, 2022

A Kansas judgment is a declaration by a court that the creditor has the legal right to demand a wage garnishment, a levy on the debtor's bank accounts, and a li

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Maryland Garnishment Rules

Mark CappelDecember 1, 2022

Maryland follows the federal rules that limit the amount garnished to 25 percent of the debtor's disposable income, or not less than an amount equal to 30 times

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Statute of Limitations on Debt

Bills.com TeamDecember 1, 2022

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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Utah Collection Laws

Mark CappelDecember 1, 2022

Utah Collection Laws | If you are in Utah and a creditor obtains a judgment against you, you face garnishments and levies. Learn how to...

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Payday Loans & Hot Checks in Texas

Mark CappelDecember 1, 2022

I can't repay a payday loan in Texas. Is that a criminal offense? Learn about legal and illegal payday loan collections in Texas.

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Wage Garnishment & Payday Loan in California

Mark CappelDecember 1, 2022

Are payday lenders permitted to contact your employer and seek out a garnishment of your wages without first filing suit and obtaining a judgment? No!

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Disclaimer of Liability in Community Property State

Mark CappelDecember 1, 2022

Learn about community property, and find information about states that follow the community property law.

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Minor Signed an Agreement to Pay Debts

Mark CappelDecember 1, 2022

In most states, many obligations created by minors are considered voidable, as minors are not legally competent to enter into binding contracts. Read more at Bi

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Hawaii Statute of Limitations

Mark CappelDecember 1, 2022

The statute of limitations for debt related to a contract in Hawaii is six years.

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Florida Collection Laws

Mark CappelDecember 1, 2022

Florida collection laws | A Florida court may decide to grant a judgment to the creditor. A judgment is a declaration by a court that the creditor has the...

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Texas Collection Laws

Daniel CohenDecember 1, 2022

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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Wisconsin Community Property

Bills.com TeamNovember 30, 2022

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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Nevada Community Property

Bills.com TeamNovember 30, 2022

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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Am I Liable for Debt My Wife Incurred Before Marriage

Mark CappelNovember 30, 2022

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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Arizona Community Property

Bills.com TeamNovember 30, 2022

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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Attorney Collection and Harassment

Bills.com TeamNovember 30, 2022

If you are facing collection from an Attorney or a law firm is threatening you, see what your options are.

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Texas Community Property

Bills.com TeamNovember 30, 2022

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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Collection Harassment

Mark CappelNovember 30, 2022

Collection Harassment | If your creditor calls your at work to collect on a debt you have options to stop those calls. You should write a letter informing...

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Judgment On Credit Report

Mark CappelNovember 30, 2022

If you need more information about judgement appearing on your credit report, Bills.com has more information and useful resources.

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Statute of Limitations

Daniel CohenNovember 30, 2022

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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Washington Community Property

Bills.com TeamNovember 30, 2022

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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Louisiana Community Property

Bills.com TeamNovember 30, 2022

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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Collections Advice on Deficiency Judgment

Mark CappelNovember 30, 2022

A deficiency is like any other unsecured debt and as such is legally identical to credit card debt, medical debt, or a payday loan.

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Judgment Garnishment

Betsalel CohenNovember 30, 2022

Judgment Garnishment | The most common method used by judgment creditors to enforce judgments is wage garnishment, in which a judgment creditor would contact...

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Served Summons & Complaint

Daniel CohenNovember 30, 2022

If you are served a Summons and Complaint, it is crucial to respond the right way. Never ignore a summons, as it can lead to a default judgment. Be sure you...

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How Long Will a Judgment Last

Daniel CohenNovember 29, 2022

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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