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Collection Laws Articles

Washington Community Property

Bills.com TeamJune 19, 2024

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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Statute of Limitations

Daniel CohenJune 19, 2024

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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Judgment On Credit Report

Mark CappelJune 19, 2024

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

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Collection Harassment

Mark CappelJune 19, 2024

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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Texas Community Property

Bills.com TeamJune 19, 2024

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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Attorney Collection and Harassment

Bills.com TeamJune 19, 2024

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

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Arizona Community Property

Bills.com TeamJune 19, 2024

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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Am I Liable for Debt My Wife Incurred Before Marriage

Mark CappelJune 19, 2024

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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Nevada Community Property

Bills.com TeamJune 19, 2024

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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Wisconsin Community Property

Bills.com TeamJune 19, 2024

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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Remedies & Common Law

Mark CappelJune 18, 2024

An 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

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Colorado Collection Laws

Bills.com TeamJune 17, 2024

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 CappelJune 17, 2024

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 TeamJune 17, 2024

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 CappelJune 17, 2024

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 TeamJune 17, 2024

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

Betsalel CohenJune 17, 2024

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 CohenJune 17, 2024

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 CappelJune 17, 2024

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 CappelJune 17, 2024

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 TeamJune 17, 2024

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 CappelJune 17, 2024

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 CohenJune 17, 2024

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 MartinJune 17, 2024

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 CappelJune 17, 2024

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 CohenJune 17, 2024

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 CohenJune 17, 2024

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 CappelJune 17, 2024

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 CappelJune 17, 2024

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 CappelJune 17, 2024

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 CohenJune 17, 2024

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 TeamJune 17, 2024

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 CappelJune 17, 2024

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 CappelJune 17, 2024

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 CappelJune 17, 2024

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

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California Statute of Limitations

Bills.com TeamJune 13, 2024

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 CappelJune 13, 2024

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 CappelJune 13, 2024

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 CohenJune 13, 2024

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 CappelJune 13, 2024

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 CappelJune 13, 2024

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 CohenJune 13, 2024

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 CappelJune 13, 2024

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 CappelJune 13, 2024

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 CappelJune 13, 2024

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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Served Summons & Complaint

Daniel CohenJune 13, 2024

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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Judgment Garnishment

Betsalel CohenJune 13, 2024

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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Collections Advice on Deficiency Judgment

Mark CappelJune 13, 2024

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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Louisiana Community Property

Bills.com TeamJune 13, 2024

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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Utah Collection Laws

Mark CappelJune 11, 2024

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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