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Collection Laws Articles

Three-State Statute of Limitations

Mark CappelSeptember 20, 2024

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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Can My Bank Account be Levied?

Mark CappelSeptember 20, 2024

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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Kentucky Collection Laws

Daniel CohenSeptember 20, 2024

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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Debt Collection

Daniel CohenSeptember 20, 2024

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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Connecticut Collection Laws

Bills.com TeamSeptember 20, 2024

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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How Long Will a Judgment Last

Daniel CohenSeptember 20, 2024

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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Collection Laws & Exemptions

Aly J. YaleSeptember 20, 2024

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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Indiana Garnishment Rules

Mark CappelSeptember 20, 2024

Creditors are allowed to garnish between 10% and 25% of your wages, with the percentage allowed being determined by each state.

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Reaffirmation

Mark CappelSeptember 20, 2024

Reaffirmation | A debt reaffirmation is an agreement in which the debtor agrees to repay a debt even if it was discharged in a bankruptcy.

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New York Spousal Liability for Debt

Daniel CohenSeptember 19, 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 CappelSeptember 19, 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 CappelSeptember 19, 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 CohenSeptember 19, 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 CappelSeptember 19, 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 CappelSeptember 19, 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 CappelSeptember 19, 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 CohenSeptember 19, 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 CohenSeptember 19, 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 CappelSeptember 19, 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 TeamSeptember 19, 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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Texas Community Property

Bills.com TeamSeptember 18, 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 TeamSeptember 18, 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 TeamSeptember 18, 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 CappelSeptember 18, 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 TeamSeptember 18, 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 TeamSeptember 18, 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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Ohio Collection Laws

Daniel CohenSeptember 17, 2024

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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Pennsylvania Collection Laws

Daniel CohenSeptember 17, 2024

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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Arizona Collection Laws

Bills.com TeamSeptember 17, 2024

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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Illinois Collection Laws

Mark CappelSeptember 17, 2024

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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Lawsuit on a Six Year Old Deficiency Balance

Mark CappelSeptember 17, 2024

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

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Alabama Collection Laws

Bills.com TeamSeptember 17, 2024

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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Iowa Collection Laws

Bills.com TeamSeptember 17, 2024

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

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New Jersey Collection Laws

Bills.com TeamSeptember 17, 2024

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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2018 Starts with Higher Debt Level

Betsalel CohenSeptember 17, 2024

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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New York Statute of Limitations

Mark CappelSeptember 17, 2024

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.

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Remedies & Common Law

Mark CappelSeptember 17, 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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Nevada Collection Laws

Daniel CohenSeptember 16, 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 MartinSeptember 16, 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 CappelSeptember 16, 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 CohenSeptember 16, 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 CohenSeptember 16, 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 CappelSeptember 16, 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 CappelSeptember 16, 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 CappelSeptember 16, 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 CohenSeptember 16, 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 TeamSeptember 16, 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 CappelSeptember 16, 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 CappelSeptember 16, 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 CappelSeptember 16, 2024

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

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