State debt collection laws

State debt collection laws

The  links below lead to information published by state or city consumer agencies that provide an overview of debt collection, laws applicable to each state. Although most of them are updated regularly you may want to check with an attorney in a specific state before attempting to collect on a large debt there or taking any unusual action.

Alabama

Code of Alabama Title 40, Chapter 12, Section 80 (40-12-80)
http://alisdb.legislature.state.al.us/acas/ACASLogin.asp

Alaska

Alaska Statute Title 45, Chapter 50, Section 471 (45-50-471)
www.touchngo.com/lglcntr/akstats/statutes.htm

Arkansas

Fair Debt Collection Practices Guide
www.ag.state.ar.us/consumer/collector.html
Arkansas Code Title 17, Chapter 24, Section 203 (17-24-203)
www.arkleg.state.ar.us/NXT/gateway.dll?f=templates&fn=default.htm&vid=blr:code

California

Collection Agencies Guide
www.caag.state.ca.us/consumers/general/collect.htm
Department of Consumer Affairs Guide
“Summary of the Fair Debt Collection Practices Statutes,” covers both federal and California state laws, www.dca.ca.gov/legal/dc_2.pdf
California Civil Code Section 1788, et seq.
www.leginfo.ca.gov/calaw.html

Colorado

Your Rights under the Colorado Fair Debt Collection Practices Act Guide
www.ago.state.co.us/CAB/geninf/english.htm
Colorado Revised Statute Title 12, Article 14, Section 101, et seq. (12-14-101)
http://198.187.128.12/colorado/lpext.dll?f=templates&fn=fs-main.htm&2.0

Florida

How to Protect Yourself: Debt Collections/Consumer
Go to: http://myfloridalegal.com/consumer, click on What Florida Law Provides, click on the link ‘For information on how to protect yourself against consumer fraud,’ scroll down to Debt Collection.
Florida Statute Title 33, Chapter 559, Part VI, (33-559.552, et seq.)
www.flsenate.gov/statutes/index.cfm?Mode=ViewStatutes&Submenu=1

Georgia

Official Code of George Title 7-3, Section 25 (7-3-25)
www.legis.state.ga.us/cgi-bin/gl_codes_detail.pl?

Hawaii

Revised Statutes, Vol. 14, Chapter 708, Section 8105 (37-708-8105)
www.capitol.hawaii.gov/site1/docs/docs.asp?press1=docs
See also www.hawaii.gov/dcca/pdf/hrs_pvl_443b.pdf

Idaho

Consumer Protection Manual
www2.state.id.us/ag/consumer/tips/ConsumerProtectionManual.pdf
Title 26, Chapter 22
www3.state.id.us/legislat/idstat.html

Illinois

Things You Should Know about Debt Collection
www.ag.state.il.us/consumers/debt.pdf
Illinois Compiled Statute, Chapter 225, Section 425
http://www.ilga.gov/legislation/ilcs/ilcs.asp

Indiana

Fair Debt Collection Guide
www.in.gov/dfi/consumer/pdfs/fairdebtcol.pdf
Indiana Code Title 25, Article11
www.ai.org/legislative/ic/code/

Iowa

Iowa Attorney General’s Guide to Debt Collection
www.iowaattorneygeneral.org/consumer/consumer_tips/debt_collect.html
Iowa State Code Sections 537.7103(1) – 7103(6)
www2.legis.state.ia.us/Code.html

Louisiana

Consumer’s Notebook: Debt Collection Guide
www.ag.state.la.us/publications/debtcollection.htm
Louisiana Revised Statute Title 47, Section 1516 and 1516.1
www.legis.state.la.us/tsrs/RS.htm

Maine

Attorney General’s Guide to Fair Debt Collection
www.ago.state.ma.us/pubs/fairdebt.pdfState of Maine’s Office of Consumer Credit Regulation’s
Downeaster Guide to Debt Collection and Repossession
www.state.me.us/pfr/ccp/booklets/Debtcoll.doc
Maine Revised Statute, Title 32, Chapter 109-A
http://janus.state.me.us/legis/statutes/

Maryland

Dealing with Debt Collectors Guide
www.oag.state.md.us/consumer/edge117.htm
Maryland Annotated Code, Title 15, Debt Collection-Special Provisions
Not readily available online. For more information:
http://mlis.state.md.us/other/MGA_FAQ.htm#stat

Massachusetts

Massachusetts Office of Consumer Affairs and Business Regulation Guide, Managing Credit and Debt
www.state.ma.us/consumer/Pubs/credit.htm
Mass. General Law, Part 1, Title XV, Chapter 93, Sections 24-28 & Section 49
http://www.state.ma.us/legis/laws/mgl/index.htm
Code of Massachusettes Regulations, 940 CMR 7
www.lawlib.state.ma.us/cmr.html

Michigan

Michigan Compiled Law Chapter 445, Section 251 (445.251)
http://michiganlegislature.org/law/
Michigan Compiled Law, Chapter 445, Act 70 of 1981
www.michiganlegislature.org/mileg.asp?page=getObject&objName=mcl-Act-70-of-1981

Minnesota

Know Your Rights: Guard Yourself Against Debt Collectors
http://www.ag.state.mn.us/consumer/ylr/ylr_jan03.htm
Minnesota Statute Chapter 332, Section 37 (332.37)
www.leg.state.mn.us/leg/statutes.asp

Missouri

Missouri Annotated Statute Title 27, Chapter 425
www.moga.state.mo.us/STATUTES/STATUTES.HTM

New Hampshire

New Hampshire Revised Statute, Title XXXI, Chapter 358-C (358-C:1)
www.gencourt.state.nh.us/rsa/html/indexes/default.html

New Mexico

Annotated Code of New Mexico, Chapter 61, Article 18A (61-18A)
www.amlegal.com/nxt/gateway.dll?f=templates&fn=default.htm&vid=newmexico:statutes

New York City

Debt Collection Guide
www.ci.nyc.ny.us/html/dca/pdf/debt.pdf
Administrative Code of New York City
Title 20, Chapter 2, Subchapter 30
http://public.leginfo.state.ny.us/menuf.cgi
Go to New York City Administrative Code under Miscellaneous

New York State

Consumer Law Help Manual, Fair Debt Collections
www.consumer.state.ny.us/clahm/Clahm-Debt.htm
Penal Law, Part 3, Title K, Article 190.50
http://public.leginfo.state.ny.us/menugetf.cgi

North Carolina
North Carolina General Statute, Chapter 75, Article 2, Section 75-50, et seq.
www.ncleg.net/statutes/statutes.asp

Ohio
Ohio Revised Code, Title 13, Chapter 1319
http://onlinedocs.andersonpublishing.com/oh/lpExt.dll?f=templates&fn=main-h.htm&cp=PORC

Oklahoma

Oklahoma Statute, Title 15, Chapter 20,Section 755.1 and Title 59, Chapter 47, Section 3107
www.oscn.net/applications/oscn/index.asp?ftdb=STOKST&level=1

Oregon

Oregon Revised Statute, Chapter 646, Section 646.639 et seq.
www.leg.state.or.us/ors/

Pennsylvania

PA Debt Collection Publication
www.attorneygeneral.gov/pei/know/debt.cfm
Pennsylvania Statute, Title 73, Chapter 42 (73 P.S. § 2270.1)
(Pennsylvania Statutes are not available online)

Tennessee

Title 62, Chapter 20
http://198.187.128.12/tennessee/lpext.dll?f=templates&fn=fs-main.htm&2.0

Texas

On-line Consumer Protection Information on Selected Topics
www.oag.state.tx.us/AG_Publications/txts/debt.shtml
Texas Statute, Finance Code, Title 5, Chapter 392
www.capitol.state.tx.us/statutes/statutes.html
Utah
FAQ on Collectors
www.commerce.utah.gov/dcp/education/collection.html
Utah Annotated Code, Title 12, Chapter 1
www.le.state.ut.us/~code/code.htm

Washington State

How to Deal with Your Debts
http://www.atg.wa.gov/consumer/credit.shtml
Revised Code of Washington, Title 19, Chapter 16
www.leg.wa.gov/rcw/index.cfm

West Virginia

What Are My Rights as a Consumer with Debts in Collection? Guide
www.wvs.state.wv.us/wvag/faq/consumer/debt_collection.html
West Virginia Code, Chapter 47, Article 16 et seq.
http://129.71.164.29/WVCODE/masterfrm3Banner.cfm

Wisconsin

Wisconsin Statute, Chapter 427
www.legis.state.wi.us/rsb/Statutes.html

Wyoming

Prohibited Collection Practices
www.audit.state.wy.us/banking/cab/cab_brochure.pdf
Wyoming Statute, Title 33, Chapter 11
http://legisweb.state.wy.us/statutes/statutes.html