Addendum to Fact Sheet 27:
State Debt Collection Laws and Publications

Copyright © 2004-2007.
Privacy Rights Clearinghouse / UCAN
Posted February 2004.
Updated July 2006.


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State Debt Collection Laws and Publications

The following contains links to resources guides published by state or city consumer agencies that provide an overview of debt collection, citations of applicable statutes of state debt collection laws, and web addresses to access those citations online.

 It is not intended to give legal advice and may not be complete. If you have additional information that you feel should be added to this site, please contact us using our inquiry form, noted above.

  Alabama Louisiana Oklahoma
  Alaska Massachusetts Oregon
  Arkansas Maine Pennsylvania
  California Maryland Tennessee
  Colorado Michigan Texas
  Florida Missouri Utah
  Georgia Minnesota Washington State
  Hawaii New Hampshire West Virginia
  Idaho New York City Wisconsin
  Illinois New York State Wyoming
  Indiana North Carolina  
  Iowa Ohio  

Alabama
Code of Alabama Title 40, Chapter 12, Section 80 (40-12-80)
 http://alisdb.legislature.state.al.us/acas/ACASLogin.asp


Alaska
Alaska Statute Title 45, Chapter 50, Section 471 (45-50-471)
www.touchngo.com/lglcntr/akstats/statutes.htm


Arizona
Arizona Administrative Code, Title 20, Article 15 - Collection agencies, operations

www.azsos.gov/public_services/Title_20/20-04.htm
Scroll down to Article 15, Collection Agencies

Title 32, Chapter 9 - Collection agency, licensing
http://www.azleg.state.az.us/ArizonaRevisedStatutes.asp?Title=32
Scroll down to Chapter 9, Collection Agencies


Arkansas
Fair Debt Collection Practices Guide
www.ag.state.ar.us/consumer/collector.html

Arkansas Code Title 17, Chapter 24, Section 203 (17-24-203)
www.arkleg.state.ar.us/NXT/gateway.dll?f=templates&fn=default.htm&vid=blr:code


California
Attorney General's Collection Agencies Guide
www.ag.ca.gov/consumers/general/collection_agencies10.htm

Department of Consumer Affairs Guide
What to Do If You Receive a Demand for Payment from a Creditor or Debt Collection Agency
www.dca.ca.gov/legal/dc_1.pdf

Summary of the Fair Debt Collection Practices Statutes, covers both federal and California state laws
www.dca.ca.gov/legal/dc_2.pdf

California Civil Code Section 1788, et seq.
www.leginfo.ca.gov/calaw.html


Colorado
Collection Agencies and Debt Collection
www.ago.state.co.us/CADC/CADCmain.cfm

Colorado Revised Statute Title 12, Article 14, Section 101, et seq. (12-14-101)
http://198.187.128.12/colorado/lpext.dll?f=templates&fn=fs-main.htm&2.0


Florida
How to Protect Yourself: Debt Collections/Consumer
Go to: http://myfloridalegal.com/consumer, click on What Florida Law Provides, click on the link 'For information on how to protect yourself against consumer fraud,' scroll down to Debt Collection.

Florida Statute Title 33, Chapter 559, Part VI, (33-559.552, et seq.)
www.flsenate.gov/statutes/index.cfm?Mode=ViewStatutes&Submenu=1


Georgia
Official Code of George Title 7-3, Section 25 (7-3-25)
www.legis.state.ga.us/cgi-bin/gl_codes_detail.pl?


Hawaii
Revised Statutes, Vol. 14, Chapter 708, Section 8105 (37-708-8105)
www.capitol.hawaii.gov/site1/docs/docs.asp?press1=docs


Idaho
Consumer Protection Manual
www2.state.id.us/ag/consumer/tips/ConsumerProtectionManual.pdf

Title 26, Chapter 22
www3.state.id.us/idstat/TOC/26022KTOC.html


Illinois
Debt Collection
www.ag.state.il.us/consumers/debtcollection.html

Illinois Compiled Statute, Chapter 225, Section 425
www.ilga.gov/legislation/ilcs/ilcs2.asp?ChapterID=24
(Scroll to "Services and Sales," 225 ILCS 425)


Indiana
Fair Debt Collection Guide
www.in.gov/dfi/education/pdfs/debtcolpdf.pdf

Indiana Code Title 25, Article11
www.ai.org/legislative/ic/code/


Iowa
Iowa Attorney General's Guide to Debt Collection
www.iowaattorneygeneral.org/consumer/consumer_tips/debt_collect.html

Iowa State Code Sections 537.7103(1) - 7103(6)
http://coolice.legis.state.ia.us/Cool-ICE/default.asp?category=billinfo&service=IowaCode


Louisiana
Consumer's Notebook: Debt Collection Guide
www.ag.state.la.us/publications/debtcollection.htm

Louisiana Revised Statute Title 47, Section 1516 and 1516.1
http://www.legis.state.la.us/lss/lss.asp?doc=110518
www.legis.state.la.us/lss/lss.asp?doc=101236


Maine
State of Maine's Office of Consumer Credit Regulation's
Downeaster Guide to Debt Collection and Repossession
www.state.me.us/pfr/ccp/booklets/Debtcoll.doc

Maine Revised Statute, Title 32, Chapter 109-A
http://janus.state.me.us/legis/statutes/


Maryland
Dealing with Debt Collectors Guide
www.oag.state.md.us/consumer/edge117.htm

Maryland Annotated Code, Title 15, Debt Collection--Special Provisions
Not readily available online. For more information:
http://mlis.state.md.us/other/MGA_FAQ.htm#stat


Massachusetts
Guide to Fair Debt Collection
www.ago.state.ma.us/filelibrary/fairdebt.pdf

Mass. General Law, Part 1, Title XV, Chapter 93, Sections 24-28 & Section 49
http://www.state.ma.us/legis/laws/mgl/index.htm

Code of Massachusettes Regulations, 940 CMR 7
www.lawlib.state.ma.us/cmr.html


Michigan
Michigan Compiled Law, Chapter 445, Act 70 of 1981
www.michiganlegislature.org/mileg.asp?page=getObject&objName=mcl-Act-70-of-1981


Minnesota
Know Your Rights: Guard Yourself Against Debt Collectors
http://www.ag.state.mn.us/consumer/ylr/ylr_jan03.htm

Minnesota Statute Chapter 332, Section 37 (332.37)
www.leg.state.mn.us/leg/statutes.asp


Missouri
Missouri Annotated Statute Title 27, Chapter 425
www.moga.state.mo.us/STATUTES/STATUTES.HTM#T27


New Hampshire
New Hampshire Revised Statute, Title XXXI, Chapter 358-C (358-C:1)
www.gencourt.state.nh.us/rsa/html/indexes/default.html


New Mexico
Annotated Code of New Mexico, Chapter 61, Article 18A (61-18A)
www.lawsource.com/also/usa.cgi?go=nm#Z3R


New York City
Debt Collection Guide
www.nyc.gov/html/dca/downloads/pdf/Debt.pdf


New York State
Debt Collectors: Consumer Rights and Obligations
www.consumer.state.ny.us/pdf/debt_collectors_final.pdf

When Debt Collectors Cross the Line
www.nyc.gov/html/dca/downloads/pdf/debt.pdf

Penal Law, Part 3, Title K, Article 190.50
http://public.leginfo.state.ny.us/menugetf.cgi


North Carolina
North Carolina General Statute, Chapter 75, Article 2, Section 75-50, et seq.
www.ncleg.net/statutes/statutes.asp


Ohio
Ohio Revised Code, Title 13, Chapter 1319
http://onlinedocs.andersonpublishing.com/oh/lpExt.dll?f=templates&fn=main-h.htm&cp=PORC


Oklahoma
Oklahoma Statute, Title 15, Chapter 20,Section 755.1 and Title 59, Chapter 47, Section 3107
www.oscn.net/applications/oscn/index.asp?ftdb=STOKST&level=1


Oregon
Oregon Revised Statute, Chapter 646, Section 646.639 et seq.
www.leg.state.or.us/ors/


Pennsylvania
PA Debt Collection Practices
www.attorneygeneral.gov/consumers.aspx?id=244

Pennsylvania Statute, Title 73, Chapter 42 (73 P.S. § 2270.1)
(Pennsylvania Statutes are not available online to the best of our knowledge)


Tennessee
Title 62, Chapter 20
http://198.187.128.12/tennessee/lpext.dll?f=templates&fn=fs-main.htm&2.0


Texas
On-line Consumer Protection Information on Selected Topics
www.oag.state.tx.us/AG_Publications/txts/debt.shtml

Texas Statute, Finance Code, Title 5, Chapter 392
www.capitol.state.tx.us/statutes/statutes.html


Utah
FAQ on Collectors

www.commerce.utah.gov/dcp/education/collection.html

Utah Annotated Code, Title 12, Chapter 1
www.le.state.ut.us/~code/code.htm


Washington State
How to Deal with Your Debts
www.atg.wa.gov/consumer/credit.shtml#Collection

Revised Code of Washington, Title 19, Chapter 16
http://apps.leg.wa.gov/rcw/


West Virginia
What Are My Rights as a Consumer with Debts in Collection? Guide
www.wvs.state.wv.us/wvag/faq/consumer/debt_collection.html

West Virginia Code, Chapter 47, Article 16 et seq.
www.legis.state.wv.us/WVCODE/masterfrm3Banner.cfm


Wisconsin
Wisconsin Statute, Chapter 427
www.legis.state.wi.us/rsb/Statutes.html


Wyoming
Prohibited Collection Practices
www.audit.state.wy.us/banking/cab/cab_brochure.pdf

Wyoming Statute, Title 33, Chapter 11
http://legisweb.state.wy.us/statutes/statutes.aspx

We acknowledge the assistance of legal intern Kris Cronin
for his research in developing this guide (2
004).

 
 

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Copyright © 2004-2007. Privacy Rights Clearinghouse/UCAN. For distribution of this fact sheet, see our copyright and reprint guidelines. This copyrighted document may be copied and distributed for nonprofit, educational purposes only.The text of this document may not be altered without express authorization of the Privacy Rights Clearinghouse. This fact sheet should be used as an information source and not as legal advice. PRC fact sheets contain information about federal laws as well as some California-specific information. Laws in other states may vary. Overall, our fact sheets are applicable to consumers nationwide.

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