Understand Your State’s Debt Laws — Protect Your Rights Before It’s Too Late
Every state has different rules on debt collection, lawsuit timelines, and consumer protections.
This short training explains how state-specific laws impact what creditors can and cannot do — and how you can respond legally and safely.
Why State Laws Matter
Debt collection and relief aren’t the same everywhere.
While federal laws like the Fair Debt Collection Practices Act (FDCPA) provide a baseline of protection, each state adds its own rules on interest rates, statute of limitations, and collection rights.
Understanding your local laws can mean the difference between a manageable resolution and an unexpected lawsuit or wage garnishment.
This training helps you:
Recognize how long collectors can pursue old debts in your state.
Identify legal limits on collection practices.
Understand when you may qualify for settlement or relief.
Know when to involve a licensed attorney in your state.
What You’ll Learn in This Video
1. State-Specific Collection Timelines
How long creditors have to file suit, and how statutes of limitation vary from 3 to 10 years depending on jurisdiction.
2. Differences in Wage Garnishment Rules
Why some states allow higher limits than others, and what exemptions protect you.
3. Interest and Fee Regulations
How state usury and collection laws affect compounding interest and late fees.
4. Licensing and Legal Authority
Why only certain debt collectors and attorneys can legally operate in specific states.
5. How to Use This Information
Practical steps to verify the laws that apply to you before negotiating, settling, or consulting an attorney.
Know Your State’s Protections
Each state sets its own rules — and some offer far stronger consumer protection than others.
Resolve Group can connect you with licensed attorneys who are authorized to operate within your state’s legal framework.
Why this matters:
Avoid time-barred debt lawsuits
Stop illegal collection tactics
Understand how your state handles wage garnishment and exemptions
Receive guidance that complies with your local laws
Check your Debt Level
Access to our free check debt tool to understand your debt level and figure out concrete solutions for debt reduction https://checkdebt.resolvegroup.io/