Debt Collection Laws by State
Response deadlines, statutes of limitations, and wage garnishment rules vary dramatically by state. Find your state below.
Alabama
AL 30 days to respond
6 yr credit card SOL
Garnishment allowed
Alaska
AK 20 days to respond
3 yr credit card SOL
Garnishment allowed
Arizona
AZ 20 days to respond
6 yr credit card SOL
Garnishment allowed
Arkansas
AR 30 days to respond
5 yr credit card SOL
Garnishment allowed
California
CA 30 days to respond
4 yr credit card SOL
Garnishment allowed
Colorado
CO 21 days to respond
6 yr credit card SOL
Garnishment allowed
Connecticut
CT 15 days to respond
6 yr credit card SOL
Garnishment allowed
Delaware
DE 20 days to respond
3 yr credit card SOL
Garnishment allowed
Florida
FL 20 days to respond
5 yr credit card SOL
Garnishment allowed
Georgia
GA 30 days to respond
6 yr credit card SOL
Garnishment allowed
Hawaii
HI 20 days to respond
6 yr credit card SOL
Garnishment allowed
Idaho
ID 21 days to respond
5 yr credit card SOL
Garnishment allowed
Illinois
IL 30 days to respond
5 yr credit card SOL
Garnishment allowed
Indiana
IN 20 days to respond
6 yr credit card SOL
Garnishment allowed
Iowa
IA 20 days to respond
5 yr credit card SOL
Garnishment allowed
Kansas
KS 21 days to respond
5 yr credit card SOL
Garnishment allowed
Kentucky
KY 20 days to respond
5 yr credit card SOL
Garnishment allowed
Louisiana
LA 15 days to respond
3 yr credit card SOL
Garnishment allowed
Maine
ME 20 days to respond
6 yr credit card SOL
Garnishment allowed
Maryland
MD 30 days to respond
3 yr credit card SOL
Garnishment allowed
Massachusetts
MA 20 days to respond
6 yr credit card SOL
Garnishment allowed
Michigan
MI 21 days to respond
6 yr credit card SOL
Garnishment allowed
Minnesota
MN 20 days to respond
6 yr credit card SOL
Garnishment allowed
Mississippi
MS 30 days to respond
3 yr credit card SOL
Garnishment allowed
Missouri
MO 30 days to respond
5 yr credit card SOL
Garnishment allowed
Montana
MT 21 days to respond
5 yr credit card SOL
Garnishment allowed
Nebraska
NE 30 days to respond
5 yr credit card SOL
Garnishment allowed
Nevada
NV 21 days to respond
6 yr credit card SOL
Garnishment allowed
New Hampshire
NH 30 days to respond
3 yr credit card SOL
Garnishment allowed
New Jersey
NJ 35 days to respond
6 yr credit card SOL
Garnishment allowed
New Mexico
NM 30 days to respond
6 yr credit card SOL
Garnishment allowed
New York
NY 20 days to respond
3 yr credit card SOL
Garnishment allowed
North Carolina
NC 30 days to respond
3 yr credit card SOL
No wage garnishment
North Dakota
ND 21 days to respond
6 yr credit card SOL
Garnishment allowed
Ohio
OH 28 days to respond
6 yr credit card SOL
Garnishment allowed
Oklahoma
OK 20 days to respond
5 yr credit card SOL
Garnishment allowed
Oregon
OR 30 days to respond
6 yr credit card SOL
Garnishment allowed
Pennsylvania
PA 20 days to respond
4 yr credit card SOL
No wage garnishment
Rhode Island
RI 20 days to respond
10 yr credit card SOL
Garnishment allowed
South Carolina
SC 30 days to respond
3 yr credit card SOL
No wage garnishment
South Dakota
SD 30 days to respond
6 yr credit card SOL
Garnishment allowed
Tennessee
TN 30 days to respond
6 yr credit card SOL
Garnishment allowed
Texas
TX 14 days to respond
4 yr credit card SOL
No wage garnishment
Utah
UT 21 days to respond
6 yr credit card SOL
Garnishment allowed
Vermont
VT 21 days to respond
6 yr credit card SOL
Garnishment allowed
Virginia
VA 21 days to respond
5 yr credit card SOL
Garnishment allowed
Washington
WA 20 days to respond
6 yr credit card SOL
Garnishment allowed
West Virginia
WV 20 days to respond
10 yr credit card SOL
Garnishment allowed
Wisconsin
WI 20 days to respond
6 yr credit card SOL
Garnishment allowed
Wyoming
WY 20 days to respond
8 yr credit card SOL
Garnishment allowed
District of Columbia
DC 21 days to respond
3 yr credit card SOL
Garnishment allowed
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