The office of the West Virginia Attorney General spends considerable resources targeting out-of-state creditors who attempt collection efforts within the state borders without proper licensing and bonding.
A potentially very significant case with regard to the collection of debt is presently pending before the Washington State Supreme Court.
Virginia does not impose special licensing or bonding requirements for collections entities, and doesn’t have any heavy or harsh regulatory or enforcement history.
There are few local statutes addressing the collection of debt in the U.S. Virgin Islands. Collection of consumer debts is addressed by the Territory’s prohibition on unfair trade practices, including deceptive and unconscionable trade practices
Vermont does not require creditors, collection agencies, debt buyers, or Vermont-licensed attorneys to be specially licensed, registered, or bonded in order to engage in debt collection.
Butch warns creditors that “Texas is a debtors’ haven.” For example, Texas exemptions regarding garnishment and writs of execution are numerous and generous compared to other states. His “quick review” of exemptions includes: Wage Garnishment – Not allowed for creditors, but allowed for child support claims; Bank Garnishment – Allowed, but not as to funds that can be traced to an exempt source, i.e., Social Security or Retirement money; Homesteads – Generally 100 percent exempt, except for: purchase money liens, mechanic’s and materialman’s liens for work on that property, and taxes; Automobiles – Generally 100 percent exempt from the claims of third-party creditors.
Couch, Conville & Blitt recently acquired the legal collection practice of Hull & Associates, P.C., a Houston, Texas-based law firm. Mr. James N. Hull has joined CCB as a Senior Litigator in the Texas office. Mr. Hull brings over 30 years of Texas litigation experience to the Firm, in addition to numerous clients. The expanded [...]
The courts are in Rhode Island are ‘Old School.’ Everything remains on paper. Records are not available on computer, nor can they be searched that way. If you need a court document, expect to take a drive to the courthouse.
There are many procedural difficulties in Pennsylvania, no wage garnishment being the most significant. However, bank garnishments are permitted. Also, collection agencies, collectors, and debt buyers do not need to be licensed in PA.
In consideration of Allen’s service to his country, he was presented with a highly favorable settlement offer, within the creditor’s parameters, which he accepted – because it was covered 100% by the ARMing Heroes grant.