Debt collection regulations vary significantly from state to state. Find licensing requirements, statute of limitations, and state-specific consumer protections for all 50 states.
Each state card shows key data points for businesses and consumers:
Statute of limitations for written contracts. After this period, the debt may become legally unenforceable, though it can still appear on credit reports.
Whether the state requires collection agencies to obtain a license or registration to operate within the state.
Whether the state has its own debt collection statute beyond the federal FDCPA, providing additional consumer protections.
50 state guides with licensing, SOL, and consumer protection details.