Debt Collection

New Jersey consumers can stop most debt collector calls with a written cease-contact request under the FDCPA, backed by federal call-frequency limits and the right to sue.

New Jersey caps most wage garnishment at 10% of pay and only after a court judgment. Here are the execution limits, exempt income, and how to object.

A plain-language guide to New Jersey consumer protection: how the Consumer Fraud Act works, the debt collection rules under state and federal law, what consumers can recover, and where disputes are filed.

An orientation to consumer protection in Washington: how the Consumer Protection Act works, the damages it allows, the rules for debt collectors and other common problems, and the two ways to enforce a consumer right.

How long a debt collector has to sue in North Carolina: the three-year rule under G.S. 1-52, the six- and ten-year exceptions, what restarts the clock, and how time-barred debt works.

An orientation to consumer protection in North Carolina: the Unfair and Deceptive Trade Practices Act, debt collection rules, the lemon law, how to file a complaint, and the deadlines that apply.

How long Illinois debt collectors have to sue, when the limitations clock restarts, and how to use the statute of limitations as a defense if you are sued.

Michigan gives creditors six years to sue on most consumer debts. This article explains the limitation period, when the clock starts, what makes a debt time-barred, what can restart it, and the separate ten-year clock on court judgments.

New York wage garnishment runs through an income execution under CPLR 5231. Here is how much of a paycheck it can reach, which income is exempt, and how to stop or reduce it.

How Arizona repossession laws work: when a lender can take your car, your right to redeem it, the sale rules, and deficiency balances after the sale.

How much of your paycheck a creditor can garnish in Arizona, which earnings are exempt, and how to challenge or stop a wage garnishment.

The Rosenthal Fair Debt Collection Practices Act is California’s debt collection law. It bans harassment and false statements, covers original creditors, and lets consumers recover damages, a penalty, and attorney fees for violations.