Fact Sheet 27 Addendum:
State Debt Collection Laws and Publications


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Copyright © 2004 - 2014
Privacy Rights Clearinghouse
Posted February 2004
Revised August 2012

This addendum contains links to state-specific resources that provide an overview of debt collection, citations 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.

Remember that The federal Fair Debt Collection Practices Act (FDCPA) (15 USC §§1692-1695) applies to collection agencies in all states. The full text of the FDCPA is found at http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf


ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMissouriTennessee
FloridaNebraskaTexas
GeorgiaNevadaUtah
HawaiiNew HampshireVermont
IdahoNew York CityWashington State
IllinoisNew York StateWest Virginia
IndianaNorth CarolinaWisconsin
IowaNorth DakotaWyoming
KansasOhio 
LouisianaOklahoma 
MaineOregon 


























 

Arizona

Arizona Administrative Code, Title 20, Article 15 - Collection agencies, operations
www.azsos.gov/public_services/Title_20/20-04.pdf Scroll down to Article 15, Collection Agencies

File a complaint: www.azag.gov/consumer/complaintform.html


Arkansas

Fair Debt Collection Practices Guide
www.ag.arkansas.gov/consumers_consumer_tips_fair_debt_collection.html  

Arkansas Code Title 17, Chapter 24, Section 203 (17-24-203)
www.arkleg.state.ar.us/assembly/2009/R/Bills/HB2228.pdf  

File a complaint: www.ag.arkansas.gov/consumers_consumer_complaints.html


California

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

Department of Consumer Affairs Guide:
www.dca.ca.gov/publications/newsletter/spring2011.pdf 

What to do if a Debt Collector Calls: www.dca.ca.gov/publications/debt_collectors.shtml

California Civil Code Section 1788, et seq.

http://leginfo.ca.gov/cgi-bin/displaycode?section=civ&group=01001-02000&file=1788-1788.3

http://leginfo.ca.gov/cgi-bin/displaycode?section=civ&group=01001-02000&file=1788.10-1788.18

http://leginfo.ca.gov/cgi-bin/displaycode?section=civ&group=01001-02000&file=1788.20-1788.22

http://leginfo.ca.gov/cgi-bin/displaycode?section=civ&group=01001-02000&file=1788.30-1788.33

File a complaint: http://oag.ca.gov/consumers/general/collection_agencies10


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), Go to: www.lexisnexis.com/hottopics/Colorado/ (NOTE: To access (1) agree to terms (2) select revised statutes (3) search term "debt collector")

Collection Agency Board: www.coloradoattorneygeneral.gov/departments/consumer_protection/uccc_cab/cab

File a complaint: www.coloradoattorneygeneral.gov/departments/consumer_protection/file_consumer_complaint


 Connecticut Connecticut Statute § 36a-805, Connecticut law about debt collection: www.jud.ct.gov/lawlib/Law/debt_collection.htm

 File a complaint:  www.ct.gov/ag/lib/ag/consumers/consumercomplaintform.pdf 


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, Section 72, (33-559.552, et seq.)
www.flsenate.gov/Laws/Statutes/2010/Chapter559/Part_VI

File a complaint: http://myfloridalegal.com/pages.nsf/Main/60FD9BD8FA71A5B185256CD1005EE5C5



 

Georgia 


Title 18, Debtor and Creditor, www.lexisnexis.com/hottopics/gacode/Default.asp (NOTE: To acess (1) select ok (2) select Title 18, Debtor and Creditor)

 Department of Consumer Affairs, http://consumer.ga.gov/consumer-topics/debt-collectors

File a complaint: : http://consumer.georgia.gov/consumer-services/filing-a-complaint

 


 

Hawaii

Hawaii Code § 433b, www.capitol.hawaii.gov/hrscurrent/Vol10_Ch0436-0474/HRS0443B/HRS_0443B-.htm

 File a complaint:  http://hawaii.gov/dcca/ocp/consumer_complaint


Idaho

 Consumer Protection Manual, www.ag.idaho.gov/publications/consumer/CreditAndDebt.pdf

 Title 26, Chapter 22
www.legislature.idaho.gov/idstat/Title26/T26CH22.htm

File a complaint: www.ag.idaho.gov/consumerProtection/forms/ComplaintFormInformation.html

 


 

Illinois

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

Illinois Compiled Statute, Chapter 225, Section 425
www.ilga.gov/legislation/ilcs/ilcs3.asp

File a complaint: www.illinoisattorneygeneral.gov/consumers/filecomplaint.html


Indiana

Fair Debt Collection Guide
www.in.gov/dfi/2588.htm

Indiana Code Title 25, Article11
www.in.gov/legislative/ic/code/title25/ar11/  

 File a complaint: www.in.gov/attorneygeneral/2434.htm

 


  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.iowa.gov/Cool-ICE/default.asp?category=billinfo&service=IowaCode&ga=83

File a complaint: www.iowa.gov/government/ag/file_complaint/online_complaint_form.html

 


 Kansas  

 Fair Debt Collection Practices Act, 16a-5-107 (UCCC), www.kansaslegalservices.org/taxonomy/term/1489 

File a complaint: http://ag.ks.gov/contact-us/file-a-complaint

 


 

Louisiana

Louisiana Revised Statute Title 9, Section 5362
http://www.legis.state.la.us/lss/lss.asp?doc=107679

File a complaint:
www.ag.state.la.us/Article.aspx?articleID=36&catID=15

 


 

Maine

Debt Collector FAQ
www.maine.gov/pfr/consumercredit/faqs/debt_collector_faq.htm

Maine Revised Statute, Title 32, Chapter 109-A
www.mainelegislature.org/legis/statutes/32/title32ch109-Asec0.html

 

File a complaint: www.maine.gov/ag/contact.html

 


Maryland

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

Maryland Code § 14-2 (Click Commercial Law folder, then Subtitle 14)
http://www.michie.com/maryland/lpext.dll?f=templates&fn=main-h.htm&cp=mdcode

 Maryland Business Regulation Code, Title 7, Subtitle 1, www.lexisnexis.com/hottopics/mdcode/

File a complaint: www.oag.state.md.us/Consumer/complaint.htm

 


 

Massachusetts

Mass. General Law, Part 1, Title XV, Chapter 93, Sections 24-28 & Section 49
http://www.mass.gov/legis/laws/mgl/gl-93-toc.htm

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

 Mass Laws about Debt Collectors, www.lawlib.state.ma.us/subject/about/debt.html  

File a complaint: www.mass.gov/ago/consumer-resources/consumer-assistance/consumer-complaint.html

 


 

Michigan

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

 File a complaint: http://michigan.gov/ag/0,4534,7-164-17331-42077--,00.html

 


 

Minnesota

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

Minnesota Statute Chapter 332, Section 37 (332.37)
www.revisor.leg.state.mn.us/bin/getpub.php?type=s&num=332.37&year=2006

 

File a complaint: www.ag.state.mn.us/Consumer/Complaint.asp (scroll down)

 


 

Missouri

 Missouri Dept. of Finance - Debt Collection Problems? http://finance.mo.gov/consumers/debt_collection.php

File a complaint: http://ago.mo.gov/consumercomplaint.htm

_______________________________________________________________

 Nebraska

Nebraska Code § 45-601 through § 46-622, http://nebraskalegislature.gov/laws/statutes.php?statute=45-601

File a complaint: www.ago.ne.gov/complaint

 


 

  Nevada

 Neveda Chapter 659, www.leg.state.nv.us/NRS/NRS-649.html 

File a complaint: http://ag.state.nv.us/about/complaints/complaints.html

 


New Hampshire

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

Department of Justice Consumer Sourcebook, http://doj.nh.gov/consumer/sourcebook/credit-debt-collection.htm

File a complaint: www.doj.nh.gov/consumer/complaints/index.htm

 


 New Mexico

Annotated Code of New Mexico, Chapter 61, Article 18A (61-18A)
http://law.justia.com/codes/new-mexico/2006/nmrc/jd_ch61art18a-16315.html

 File a complaint: www.debt-collector-problems.com/fair-debt-complaint-form/New-Mexico-Attorney-General-Complaint-Form.pdf

 


 

New York City

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

 File a complaint: www.nyc.gov/html/dca/html/contact/contact_form.shtml 

 


New York State

New York Code 29-H (Debt Collection Procedures)
http://codes.lp.findlaw.com/nycode/GBS/29-H

Managing the Overload, www.ag.ny.gov/sites/default/files/pdfs/publications/Debt_Management.pdf

 Penal Law, Part 3, Title K, Article 190.50
http://law.justia.com/newyork/codes/penal/pen0190.50_190.50.html

File a complaint: www.ag.ny.gov/complaint-forms

 


 

North Carolina

North Carolina General Statute, Chapter 75, Article 2, Section 75-50, et seq.
www.ncleg.net/EnactedLegislation/Statutes/HTML/ByChapter/Chapter_75.html

 

File a complaint: http://ncdoj.com/complaint.aspx

 


 

 North Dakota

 North Dakota Collector Regulation Statute § 13-05
www.legis.nd.gov/cencode/t13c05.pdf 

 

File a complaint: www.ag.state.nd.us/CPAT/ConsumerComplaints.htm

 


 

Ohio

Ohio Revised Code, Title 13, Chapter 1319
http://codes.ohio.gov/orc/1319

Ohio Legal Services Q&A
http://www.ohiolegalservices.org/public/legal_problem/consumer-rights/debt-collection/qandact_view

 

File a complaint: www.ohioattorneygeneral.gov/ConsumerComplaint.aspx?from=nav

  


 Oklahoma

Oklahoma Statute, Title 15, Chapter 20,Section 755.1
http://www.oscn.net/applications/oscn/Index.asp?ftdb=STOKST15&level=1

 

Oklahoma Statute, Collection Practices, Subchapter II, Title 160:70-1 - 160.70-8,
www.ok.gov/okdocc/documents/Title160DDL.pdf

File a complaint: www.oag.state.ok.us/oagweb.nsf/complaint.html

 


 

Oregon

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

 

File a complaint: https://justice.oregon.gov/complaints/ 


 

Pennsylvania

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

Pennsylvania Statute, Title 18, Chapter 73, Subchapter A, §7311,
www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.073.011.000..HTM

File a complaint: www.attorneygeneral.gov/complaints.aspx

 


 

 Rhode Island

 Rhode Island Debt Collections Act § 19-14.9
www.rilin.state.ri.us/Statutes/TITLE19/19-14.9/INDEX.HTM

 

File a complaint: www.riag.state.ri.us/documents/consumer/ConsumerComplaintForm.pdf

 


 South Carolina  

 Debt collection FAQ, www.consumer.sc.gov/faqs/Pages/fairdebtcollection.aspx

Consumer Protection Code, Title 37-5-108, www.scstatehouse.gov/code/t37c005.php

File a complaint: www.scag.gov/contact-us

 


 

 South Dakota

  Attorney General Consumer Protection Guide (pg. 62), http://atg.sd.gov/LinkClick.aspx?fileticket=lDkq1k3V-yM%3d&tabid=525

NOTE: South Dakota has no state debt collection statute, but follows the FDCPA.

File a complaint: http://atg.sd.gov/Consumers/HandlingComplaints/ConsumerComplaintForm.aspx

 


 

Tennessee

Title 62, Chapter 20
http://www.michie.com/tennessee/lpext.dll?f=templates&fn=main-h.htm&cp=tncode

 File a complaint:
www.tn.gov/attorneygeneral/cpro/filecomplaint.html

 


 

Texas

Texas Statute, Finance Code, Title 5, Chapter 392
http://www.statutes.legis.state.tx.us/Docs/FI/htm/FI.392.htm

Texas Attorney General Office - Debt Collection
http://www.oag.state.tx.us/consumer/debt_collection.shtml

 File a complaint: www.oag.state.tx.us/consumer/complain.shtml

 


 

Utah

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

 What Rights Do I Have When Collectors Call?, www.utahlegalservices.org/public/legal_problem-en-us/consumer/collections/qandact_view?log=2&searchterm=debt%20collectors

File a complaint: http://attorneygeneral.utah.gov/contact_us.html

 


 

Vermont

Vermont Code
http://www.atg.state.vt.us/assets/files/CF%20104.pdf

 File a complaint:
www.uvm.edu/consumer/?Page=complaint.html

 


 

Washington State

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

 Attorney General, In Debt? Know Your Rights When Dealing with a debt collector, www.atg.wa.gov/BlogPost.aspx?id=24992

File a complaint: www.atg.wa.gov/FileAComplaint.aspx

 


 

 West Virginia

 West Virginia Code, Chapter 47-16-2, www.legis.state.wv.us/WVCODE/47/code/WVC%2047%20%20-%2016%20%20-%20%20%202%20%20.htm

 

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

  Fair Debt Collection FAQ, www.wvago.gov/faqs.cfm?fx=cat&id=2#106

File a complaint: www.wvago.gov/takeaction.cfm

 


  

Wisconsin

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

 

Illegal Debt Collection Practices and Debt Collection Scams, Attorney General Publications,  www.doj.state.wi.us/absolutenm/templates/template_col_share.aspx?articleid=1824&zoneid=8

File a complaint: www.doj.state.wi.us/dls/ConsProt/cp_complaints.asp


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?file=titles/Title33/T33CH11.htm

 

File a complaint: http://attorneygeneral.state.wy.us/PDF/ComplaintForm.pdf

 

 

 

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