Wyoming Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of Wyoming.

Below you will find important information on Wyoming state debt recovery laws including: Wyoming Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: WYOMING

Interest Rate

  • Legal: 7%
  • Judgment: contract rate or 10% judgment rate

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 8
  • Written Contract: 10
  • Domestic Judgment: 5
  • Foreign Judgment: 5

BAD CHECK LAWS (CIVIL PENALTY)

3x amount of check but not less than $100 plus collection fee of $30.

GENERAL GARNISHMENT EXEMPTIONS

See federal law for consumer credit sale, lease or loan. Up to 65% for child support arrearage.

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Wisconsin Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of Wisconsin.

Below you will find important information on Wisconsin state debt recovery laws including: Wisconsin Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: WISCONSIN

Interest Rate

  • Legal: 5%
  • Judgment: 12%

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 6
  • Written Contract: 6
  • Domestic Judgment: 20
  • Foreign Judgment: 20

BAD CHECK LAWS (CIVIL PENALTY)

Amount of check plus actual damages + exemplary damages up to 3x value of check, limited to $500.

GENERAL GARNISHMENT EXEMPTIONS

80% of net pay.

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West Virginia Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of West Virginia.

Below you will find important information on West Virginia state debt recovery laws including: West Virginia Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: WEST VIRGINIA

Interest Rate

  • Legal: 6% (contract rate prevails, and can vary between 18% and 31% max)
  • Judgment: 9.75% (changes each year based on a certain Federal rate)

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 5
  • Written Contract: 10
  • Domestic Judgment: 10
  • Foreign Judgment: 10

BAD CHECK LAWS (CIVIL PENALTY)

Amount due, service charge up to $10. If check is less than > $500.00 = misdemeanor. If check is greater than $500.00 = felony.

GENERAL GARNISHMENT EXEMPTIONS

See West VA code 38-5A-3-Employees withhold 20% of disposable income or 30 x the min. hourly rate, whichever is less. Other exemptions apply.

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Washington Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of Washington.

Below you will find important information on Washington state debt recovery laws including: Washington Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: WASHINGTON

Interest Rate

  • Legal: 12%
  • Judgment: 12%

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 6
  • Written Contract: 6
  • Domestic Judgment: 10, renewable
  • Foreign Judgment: 10, renewable

BAD CHECK LAWS (CIVIL PENALTY)

Interest at rate specified in instrument or, if no specified rate, 12% interest plus collection costs up to $40. If taken to court, reasonable attorney fees, 3x value, or up to $300. Have 6 years to enforce a bad check.

GENERAL GARNISHMENT EXEMPTIONS

Greater of 75% or $154.50 week (30 x federal min. hourly wage).

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Virginia Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of Virginia.

Below you will find important information on Virginia state debt recovery laws including: Virginia Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: VIRGINIA

Interest Rate

  • Legal: 6%
  • Judgment: 6%

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 3 (last charge or payment)
  • Written Contract: 5
  • Sales of Goods under Article 2: 4
  • Domestic Judgment: 20
  • Foreign Judgment: 10

BAD CHECK LAWS (CIVIL PENALTY)

Lesser of $250 or 3x check amount.

GENERAL GARNISHMENT EXEMPTIONS

See federal law.

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Vermont Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of Vermont.

Below you will find important information on Vermont state debt recovery laws including: Vermont Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: VERMONT

Interest Rate

  • Legal: 12%
  • Judgment: 12%

STATUTE OF LIMITATIONS (IN YEARS)

  • Retail Installment Contracts: 4
  • Witnessed Promissory Note: 14
  • Open Account: 6
  • Written Contract: 6
  • Domestic Judgment: 8
  • Foreign Judgment: 8

BAD CHECK LAWS (CIVIL PENALTY)

Court costs, amount of check, attorney fees, damage of $50. (Notice required).

GENERAL GARNISHMENT EXEMPTIONS

$75% of earning above minimum wage or what is necessary to live. 85% if personal, family or house held debt.

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Utah Collection Agency Services Statute of Limitations

AccountsReceivable.com handles debt collections throughout the entire state of Utah.

Below you will find important information on Utah state debt recovery laws including: Utah Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: UTAH

Interest Rate

  • Legal: 10%
  • Judgment: 6.99%

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 4
  • Written Contract: 6
  • Domestic Judgment: 8
  • Foreign Judgment: 8

BAD CHECK LAWS (CIVIL PENALTY)

Certified statutory bad check notice must be set. Amount due, interest, court costs, reasonable attorney fees, plus damage equal to greater of $100 or 3x check amount (not to exceed check amount plus $500).

GENERAL GARNISHMENT EXEMPTIONS

$142.50 of disposable earnings for wages paid weekly.

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Texas Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of Texas.

Below you will find important information on Texas state debt recovery laws including: Texas Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: TEXAS

Interest Rate

  • Legal: 6%
  • Agreement: can charge up to 18%
  • No Agreement: statuory interest of 6% begins to run 30th day after becoming due
  • Judgment: 8.25% (effective 2007) Always consult cousel to charge interst – Texas has very onerous usury laws & penalties.

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 4
  • Written Contract: 4
  • Promissory Note: 6
  • Domestic Judgment: 10 Renewable
  • Foreign Judgment: 10 Renewable

BAD CHECK LAWS (CIVIL PENALTY)

N/A

GENERAL GARNISHMENT EXEMPTIONS

100% of wages.

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Tennessee Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of Tennessee.

Below you will find important information on Tennessee state debt recovery laws including: Tennessee Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: TENNESSEE

Interest Rate

  • Legal: 10%
  • Judgment: 10% (or contract rate, whichever is greater)

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 6
  • Written Contract: 6
  • Domestic Judgment: 10
  • Foreign Judgment: 10

BAD CHECK LAWS (CIVIL PENALTY)

Treble damages up to $500 + 10% interest & reasonable service charges, attorney fees.

GENERAL GARNISHMENT EXEMPTIONS

See federal law. Add $2.50 per week for dependent child under 16.

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South Dakota Debt Collection Laws and Statutes

AccountsReceivable.com handles debt collections throughout the entire state of South Dakota.

Below you will find important information on South Dakota state debt recovery laws including: South Dakota Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: SOUTH DAKOTA

Interest Rate

  • Legal: 12%
  • Judgment: 10

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 6
  • Written Contract: 6
  • Sales of Goods: 4
  • Domestic Judgment: 10, renewable for 10
  • Foreign Judgment: 10

BAD CHECK LAWS (CIVIL PENALTY)

N/A

GENERAL GARNISHMENT EXEMPTIONS

20% of the individuals disposable earnings for a continuing lien.

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