Collection Laws by State

State Statues Regarding Collection Practices for Commercial / Business Debt.

The Federal Debt Collections Practices Act (FDCPA) governs the debt collection practices for personal / individual debt. The FDCPA sets forth a myriad of restrictions regarding the practices Debt Collections may use in their efforts.

There are no Federal Laws governing Commercial-Debt collections.  Most States, however, have enacted Statues which govern Commercial / Business Debt collections.

We have provided the most current Commercial Collection Statues by State.  These represent State-specific statues enacted which apply only to that State.  It must be noted that the State statues for the State where the collector is located do not apply if the debtor is in another State.  In that case, the Statutes for the  State where the debtor is located apply.

NOTE: This is not legal advice.  The information shown represents the Statutes in place at the time we published — there may be changes or additional Statues enacted since.  To ensure the most accurate information, we advise checking with an Attorney or the State where the debtor is located.

Click on the State below for Commercial-Debt Collection Statues for that State: