Debt Collection

How California’s Rosenthal Act and the federal FDCPA limit collection calls, what a written cease-contact notice does, and what a collector owes when it keeps calling anyway.

Two laws limit debt collector calls in Florida: the state FCCPA and the federal FDCPA. This covers when collectors can call, how to make them stop in writing, and what you can recover when they break the rules.

Texas bars wage garnishment for ordinary consumer debts under the state constitution. Child support, spousal maintenance, defaulted federal student loans, and federal tax debt are the exceptions, and federal law caps how much each can take.

How wage garnishment works in Florida after a money judgment: the federal 25 percent ceiling, the head of family (head of household) exemption for disposable earnings of $750 a week or less, the writ procedure under Chapter 77, and the 20-day sworn claim of exemption.

Ohio caps garnishment of personal earnings at 25% of disposable pay and protects wages below thirty times the federal minimum wage. A 15-day written demand comes first, and the debtor has five business days to request a hearing.

Answering a debt collection lawsuit in Texas means filing a written answer before the deadline on the citation. Justice courts give 14 days; district and county courts run on the Monday-after-20-days rule. This covers the deadlines, what an answer contains, the defenses that are waived if left out, and what a default judgment means.

The Florida Consumer Collection Practices Act lists 19 prohibited collection practices, sets contact-hour limits, and gives debtors a private right of action worth actual damages plus up to $1,000.

California’s statute of limitations on debt is four years for written contracts, credit cards, and book accounts, and two years for oral agreements. This article covers when the clock starts, what restarts it, what collectors can do after it expires, and how the deadline is raised in a lawsuit.

Georgia gives collectors six years to sue on a written contract and four years on an open account. This covers when the clock starts, what restarts it, and how an expired deadline is raised in a collection case.

A California wage garnishment ends when the court grants an exemption, when the judgment is satisfied or released, or when the withholding order is set aside. This walks through the Claim of Exemption procedure, the creditor’s 10-day opposition window, and the garnishments that fall outside it.

Florida lets an auto lender repossess a financed vehicle after default without a court order, as long as it takes the car without a breach of the peace. Chapter 679 controls the sale notice, redemption, and the deficiency balance that follows.

Ohio sets a six-year limit on suing over most consumer debts. The period starts thirty days after the last charge or payment, and a later payment restarts it.