Legal Intelligence
Your state's debt laws, in plain English
Before you pay a dime or say a word to a collector, know your position. The statute of limitations, garnishment limits, and state-specific protections below can completely change your negotiation leverage.
Legal information, not legal advice. Statute-of-limitations and garnishment rules summarized here were compiled in June 2026 and are simplified. Which limit applies can depend on how a court classifies your debt and contract terms (some agreements choose another state's law). Always verify with your state's official sources or an attorney before relying on it.
Now put your state's laws to work
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