There are laws that protect consumers from unfair debt collection practices. There are the Federal laws such as the FDCPA, or the Fair Debt Collections Practices Act, which is enforced by the Federal Trade Commission and in addition to the Federal laws each state also has their own laws regulating debt collection and collection agencies. Here are some links to the state websites that can give you further information regarding debt collection for your specific state.
Note: A few of the states are not online.
Alabama
Code of Alabama Title 40, Chapter 12, Section 80 (40-12-80)
Alaska
Alaska Statute Title 45, Chapter 50, Section 471 (45-50-471)
Arizona
Arizona Administrative Code, Title 20, Article 15 – Collection agencies, operations
Title 32, Chapter 9 – Collection agency, licensing
Arkansas
Arkansas Code Title 17, Chapter 24, Section 203 (17-24-203)
California
Attorney General’s Collection Agencies Guide
California Civil Code Section 1788, et seq.
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
Colorado
Collection Agencies and Debt Collection
Florida
Florida Statute Title 33, Chapter 559, Part VI, (33-559.552, et seq.)
Georgia
Official Code of George Title 7-3, Section 25 (7-3-25)
Hawaii
Revised Statutes, Vol. 14, Chapter 708, Section 8105 (37-708-8105)
Idaho
Title 26, Chapter 22
Consumer Protection Manual
http://www2.state.id.us/ag/consumer/manuals/ConsumerProtectionManual.pdf
Illinois
Illinois Compiled Statute, Chapter 225, Section 425
Indiana
Indiana Code Title 25, Article11
Fair Debt Collection Guide
www.in.gov/dfi/education/pdfs/debtcolpdf.pdf
Iowa
Iowa Attorney General’s Guide to Debt Collection
Iowa State Code Sections 537.7103(1) – 7103(6)
Louisiana
Louisiana Revised Statute Title 47, Section 1516 and 1516.1
Maine
Maine Revised Statute, Title 32, Chapter 109-A
Maryland
Dealing with Debt Collectors Guide
Massachusetts
Guide to Fair Debt Collectionwww.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
Guide to Fair Debt Collection
www.ago.state.ma.us/filelibrary/fairdebt.pdf
Michigan
Michigan Compiled Law, Chapter 445, Act 70 of 1981
Minnesota
Minnesota Statute Chapter 332, Section 37 (332.37)
Missouri
Missouri Annotated Statute Title 27, Chapter 425
New Hampshire
New Hampshire Revised Statute, Title XXXI, Chapter 358-C (358-C:1)
New Mexico
Annotated Code of New Mexico, Chapter 61, Article 18A (61-18A)
New York City
Debt Collection Guide
New York State
When Debt Collectors Cross the Line
Debt Collectors: Consumer Rights and Obligations www.consumer.state.ny.us/pdf/debt_collectors_final.pdf
North Carolina
North Carolina General Statute, Chapter 75, Article 2, Section 75-50, et seq.
Ohio
Ohio Revised Code, Title 13, Chapter 1319
Oklahoma
Oklahoma Statute, Title 15, Chapter 20,Section 755.1 and Title 59, Chapter 47, Section 3107
Oregon
Oregon Revised Statute, Chapter 646, Section 646.639 et seq.
Pennsylvania
PA Debt Collection Practices
Pennsylvania Statute, Title 73, Chapter 42 (73 P.S. ยง 2270.1)
Tennessee
Tennessee State Statutes Regulating Debt Collection
Texas
Texas Statute, Finance Code, Title 5, Chapter 392
Utah
Utah Annotated Code, Title 12, Chapter 1
Washington State
How to Deal with Your Debts
Revised Code of Washington, Title 19, Chapter 16
West Virginia
What Are My Rights as a Consumer with Debts in Collection? Guide
West Virginia Code, Chapter 47, Article 16 et seq.
Wisconsin
Wisconsin Statute, Chapter 427
Wyoming
Wyoming Statute, Title 33, Chapter 11
Prohibited Collection Practices
www.audit.state.wy.us/banking/cab/cab_brochure.pdf
You have rights as a consumer, even when you fall behind on your payments. Know your rights when it comes to debt collectors and collection agencies.
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