Collection Laws Articles
Three-State Statute of Limitations
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...
Read moreCan My Bank Account be Levied?
Account Levy is allowed for judgments. Also, state and federal agencies have the right to levy accounts on their own authority. However, exemptions apply...
Read moreLearn the statute of limitations for credit card and other debts in Kentucky, and the state's consumer unfriendly rules for account levy, liens and...
Read moreIt'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...
Read moreLearn 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...
Read moreHow Long Will a Judgment Last? | Get information on how long judgments last on your credit reports. Get credit smart at Bills.com
Read moreCollection laws and exemptions vary from state to state. Protect yourself and your assets by learning the homestead, vehicle, and bank account exemptions...
Read moreCreditors are allowed to garnish between 10% and 25% of your wages, with the percentage allowed being determined by each state.
Read moreReaffirmation | A debt reaffirmation is an agreement in which the debtor agrees to repay a debt even if it was discharged in a bankruptcy.
Read moreNew York Spousal Liability for Debt
New York Spousal Liability for Debt | Free tips about New York spousal liability for debt issues
Read moreEnforcing Out-of-State Judgment
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
Read moreSummons for American Express Debt
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
Read moreUnder 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
Read moreClerk Judgment | California law allows a court clerk to enter a default judgment against the defendant without a court hearing or judicial action
Read moreThe 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.
Read moreI found no evidence that it is illegal to collect a debt less that $100 in Nebraska or report it to a credit reporting agency.
Read moreIf 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...
Read moreJudgment Garnishment | The most common method used by judgment creditors to enforce judgments is wage garnishment, in which a judgment creditor would contact...
Read moreCollections Advice on Deficiency Judgment
A deficiency is like any other unsecured debt and as such is legally identical to credit card debt, medical debt, or a payday loan.
Read moreLouisiana Community Property Law and your spouse's debt. Louisiana classifies debts as separate and community. In many cases, creditors can collect...
Read moreTexas 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...
Read moreAttorney Collection and Harassment
If you are facing collection from an Attorney or a law firm is threatening you, see what your options are.
Read moreArizona Community Property Law and your spouse's debt. In Arizona, creditors cannot touch your community property for premarital debt. However...
Read moreAm I Liable for Debt My Wife Incurred Before Marriage
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?
Read moreNevada Community Property Law and your spouse's debt. In Nevada, creditors must have signatures from both spouses to collect the debt from the...
Read moreWisconsin Community Property Law and your spouse's debt. Wisconsin liability law is tricky. Courts must first classify a debt, and then determine if...
Read moreOhio collection laws are creditor-friendly and tought onc consumers. The statutes of limitations on debt are length and judgments can be renewed repeatedly. If
Read moreLearn the Pennsylvania rules for statute of limitations, wage garnishment, and bank levies. Wage garnishment is not allowed with two exceptions. Account levy...
Read moreIn Arizona, the statute of limitations for oral contracts is 3 years, and written contracts and credit cards is 6 years. Arizona is a...
Read moreA 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
Read moreLawsuit on a Six Year Old Deficiency Balance
Get more information about lawsuits on deficiencies. Learn about statute of limitations and more at Bills.com
Read moreThe 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...
Read moreLearn about Iowa's wage garnishment, statutes of limitations, and levy rules.
Read moreThe 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...
Read more2018 Starts with Higher Debt Level
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...
Read moreNew York Statute of Limitations
According to the Laws of New York CVP Article 2 section 213, a plaintiff has six years to take action on a contractual obligation or liability.
Read moreAn 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
Read moreUnder 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...
Read moreCo-Signer Rights on House or Car
What rights does a co-signer have? Learn about co-signer rights to property and what rights a co-signer have on a car.
Read moreGet information on recourse options available to creditors of GI loans in default. Learn more at Bills.com
Read moreLearn about Georgia collection laws | Georgia collection laws are different than in other states. In Georgia, the most common method used by judgment-creditors
Read moreDebt 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...
Read moreCharge 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
Read moreTennessee 39-14-116. Hindering secured creditors
Tennessee is unique in that it criminalizes what is most often a civil matter in other states.
Read moreRestart Statute of Limitations
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...
Read moreThe 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
Read moreCalifornia 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
Read moreSee 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
Read moreThe standard for validating/verifying a debt are very low. Learn what federal courts say is sufficient validation...
Read moreCredit card companies will sometimes approve credit lines for minors, read more about an interesting scenario at Bills.com
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