The National List of Attorneys - White Papers
White Papers: State-Specific Debt Collection Laws
This state-specific information is provided by NL and our authors for the benefit of creditors, collection agencies, debt buyers and NL attorney members who are looking for and working with U.S. attorneys.
Papers include a wide range of topics, such as:
- The laws regarding statute of limitations, written contracts, bad checks and civil penalties.
- Debt collection licensing, bonding and other regulations relevant to collections professionals and lawyers not licensed to practice within that state.
- Practices related to commercial and consumer collections.
- Costs related to court filing fees and process-serving options.
- Significant cases brought by the State’s Attorney General, and ethics opinions passed down from the State Supreme Court related to debt collection.
Blogs give additional information on authors & law firms
On the day that each paper was published, a blog giving additional information about the author &/or law firm was posted on InsideARM (See Collection Industry Blogs, “50 White Papers in 50 Days,” or Contributors.)
The “50 White Papers in 50 Days” project is a valuable reference source for creditors and law firms that are seeking to file a claim out-of-state.
The National List would like to thank all of our member attorneys who participated in this project. We encourage debt collection industry professionals to take advantage of this valuable resource, and for the benefit of others to submit additions or changes to the laws in your state to web@nationallist.com.
Alabama Debt Collection Laws
Submitted by:
Brent Yarborough, Zarzaur & Schwartz, P.C.Posted:02/04/2013
Alaska Debt Collection Laws
Submitted by:
Richard Crabtree, Routh Crabtree, A Professional CorporationPosted:02/05/2013
Arizona Debt Collection Laws
Submitted by:
Stanley M. Hammerman, Esq., Hammerman & Hultgren, P.C.Posted:02/06/2013
Arkansas Debt Collection Laws
Submitted by:
Morgan S. Doughty, Associate Attorney, Hood & Stacy, P.A.Posted:02/07/2013
California Debt Buying Practices Act (FDBPA)
Submitted by:
George L. Cohn, Senior Attorney, Collection LawyersPosted:08/01/2013
California Debt Collection Laws
Submitted by:
George L. Cohn, Senior Attorney, Collection LawyersPosted:02/08/2013
Colorado Debt Collection Laws
Submitted by:
David Silverman and Anne-Marie Vos, Silverman/Borenstein PLLCPosted:02/11/2013
Connecticut Debt Collection Laws
Kenneth M. Rozich
Submitted by:
Kenneth M. Rozich, Esq., Member, Jacobs and Rozich, L.L.C.Posted:02/12/2013
Delaware Debt Collection Laws
Daniel C. Kerrick
Submitted by:
Daniel C. Kerrick, Esq., Ciconte, Wasserman, Scerba & Kerrick, LLCPosted:02/13/2013
District of Columbia Debt Collection Laws
Thomas A. Mauro
Submitted by:
Thomas A. Mauro, Esq., Mauro Law Offices, P.C.Posted:02/14/2013
Florida Debt Collection Laws
Justin D. Jacobson
Submitted by:
Justin D. Jacobson, Managing Partner, Jacobson, Sobo & MosellePosted:02/15/2013
Georgia Debt Collection Laws
Mark A. Moore
Submitted by:
Mark A. Moore, Senior Partner, Lazega & Johanson, LLCPosted:02/18/2013
Hawaii Debt Collection Laws
Marvin Dang
Submitted by:
Marvin DangPosted:02/19/2013
Idaho Debt Collection Laws
Jeffrey M. Wilson
Christopher R. Moore
Submitted by:
Jeffrey M. Wilson & Christopher R. Moore, Wilson and McCollPosted:02/20/2013
Illinois Debt Collection Laws
Submitted by:
Sam J. Fratantoni, Arthur B. Adler & Associates, Ltd.Posted:02/21/2013
Indiana Debt Collection Laws
Michael L. Starzec
Submitted by:
Michael L. Starzec, Litigation Manager at Blitt and Gaines, PCPosted:02/22/2013
Iowa Debt Collection Laws
Mark U. Abendroth
Thomas E. Sherzan
Submitted by:
Thomas E. Sherzan and Mark U. Abendroth, Abendroth and Russell, P.C.Posted:02/25/2013
Kansas Debt Collection Laws
James McNeil
Rick Milone
Dustin Stiles
Submitted by:
James McNeil, Rick Milone & Dustin Stiles, Cohen McNeile & Pappas, P.C.Posted:02/26/2013
Kentucky Debt Collection Laws
James M."Buck" Lloyd
Katherine S. Lloyd
Submitted by:
James M."Buck" Lloyd and Katherine S. Lloyd, Lloyd & McDaniel, PLLCPosted:02/27/2013
Louisiana Debt Collection Laws
Submitted by:
Christopher J. Couch, Bradley J. Chauvin & Michael D. Troendle, Couch, Conville & BlittPosted:02/28/2013
Maine Debt Collection Laws
David R. Dubord
Submitted by:
David R. Dubord, Gosselin & Dubord, PAPosted:03/01/2013
Maryland Debt Collection Laws
Thomas A. Mauro
Submitted by:
Thomas A. Mauro, Esq., Mauro Law Offices, P.C.Posted:03/04/2013
Massachusetts Debt Collection Laws
Jeremy Cohen
Submitted by:
Jeremy Cohen, Cohen & AssociatesPosted:03/05/2013
Michigan Debt Collection Laws
Mimi D. Kalish
Submitted by:
Mimi D. Kalish, Esq., Senior Associate, Stillman Law OfficePosted:03/06/2013
Minnesota Debt Collection Laws
Todd Gurstel
Amy M. Goltz
Daniel J. Bernhard
Submitted by:
Todd Gurstel, Chief Executive Officer, Gurstel Chargo, Amy M. Goltz, Director of Retail Litigation, & Daniel J. Bernhard, AssociatePosted:03/07/2013
Mississippi Debt Collection Laws
Submitted by:
J. Ward Conville, Benjamin G. Lambert & Michael D. TroendlePosted:03/08/2013
Missouri Debt Collection Laws
James McNeil
Rick Milone
Dustin Stiles
Submitted by:
James McNeil, Rick Milone & Dustin Stiles, Cohen McNeile & Pappas, P.C.Posted:03/11/2013
Montana Debt Collection Laws
Bruce M. Spencer
Submitted by:
Bruce M. Spencer, Smith Law Firm, P.C.Posted:03/12/2013
Nebraska Debt Collection Laws
Kent A. Schroeder
Submitted by:
Kent A. Schroeder, Partner, Ross, Schroeder & George, LLCPosted:03/13/2013
Nevada Debt Collection Laws
Ronald H. Reynolds
Submitted by:
Ronald H. Reynolds, Senior Partner, Reynolds & AssociatesPosted:03/14/2013
New Hampshire Debt Collection Laws
Jay M. Niederman
Submitted by:
Jay M. Niederman, Niederman, Stanzel & LindseyPosted:03/15/2013
New Jersey Debt Collection Laws
Lloyd S. Markind
Submitted by:
Lloyd S. Markind, Sklar~MarkindPosted:03/20/2013
New Mexico Debt Collection Laws
Dana K. Grubesic
Submitted by:
Dana K. Grubesic of Western States Law Group LLC (formerly Kanter & Grubesic, PA)Posted:03/19/2013
New York Debt Collection Laws
Scott E. Wortman
Submitted by:
Scott E. Wortman, Esq., Partner, Mel S. Harris & Associates, L.L.C.Posted:03/18/2013
New York Debt Collectors Face Possible Negative Changes in Law
Submitted by:
Marti Lythgoe, National List Editor, and Scott Wortman, Esq., Partner at MSHPosted:05/08/2013
North Carolina Debt Collection Laws
Lee C. Rogers
Submitted by:
Lee C. Rogers, President and Managing Partner, Sessoms & Rogers, P.A.Posted:03/21/2013
North Dakota Debt Collection Laws
Joel Boon
Brittney Bornemann
Submitted by:
Joel Boon and Brittney Bornemann, Rodenburg Law FirmPosted:03/22/2013
Ohio Debt Collection Laws
Brian Block
Submitted by:
Brian Block of Javitch, Block & Rathbone LLCPosted:03/25/2013
Oklahoma Debt Collection Laws
Nicholas R. Hood
Submitted by:
Nicholas R. Hood, Associate Attorney, Hood & Stacy, P.A.Posted:03/26/2013
Oregon Debt Collection Laws
C. Thomas Davis
Paul C. Galm
Submitted by:
C. Thomas Davis & Paul C. Galm of Davis Galm Law FirmPosted:03/27/2013
Pennsylvania Debt Collection Laws
Frederic I. Weinberg
Submitted by:
Frederic I. Weinberg, Esquire of Gordon & Weinberg, P.C.Posted:03/28/2013
Rhode Island Debt Collection Laws
Neill B. Lyon
Submitted by:
Neill B. Lyon, of Hodosh Lyon, & Hammer Ltd.Posted:03/29/2013
South Carolina Debt Collection Laws
S. Nelson Weston, Jr.
Adam S. Tesh
Submitted by:
S. Nelson Weston, Jr., & Adam S. Tesh, of Richardson, Plowden & Robinson, P.A.Posted:04/01/2013
South Dakota Debt Collection Laws
David L. Edwards
Submitted by:
David L. Edwards, Briet Law Office, P.C.Posted:04/02/2013
Tenneessee Debt Collection Law Changed Dramatically from Passage of SB 224 / HB 443
Marti Lythgoe
Kelly Dicken
Submitted by:
Marti Lythgoe, NL Editor; and Kelly Dicken, FKSC AttorneyPosted:05/08/2013
Tennessee Debt Collection Laws
Kelly Dicken
Submitted by:
Kelly Dicken of Finkelstein, Kern, Steinberg, & Cunningham, P.CPosted:04/03/2013
Texas Debt Collection Laws
M. H. Cersonsky
Submitted by:
M. H. Cersonsky of Cersonsky, Rosen & Garcia, P.C.Posted:04/04/2013
TN Debt Collection Law Changed Dramatically from Passage of SB 224 / HB 443
Submitted by:
Marti Lythgoe, NL Editor; and Kelly Dicken, FKSC AttorneyPosted:05/08/2013
Utah Debt Collection Laws
Gregory M. Constantino
Submitted by:
Gregory M. Constantino, Founder & President of Constantino Law Office, P.CPosted:04/05/2013
UTSB281- Do Try This at Home!
Marti Lythgoe
Christopher Rogers
Greg Constantino
Submitted by:
Marti Lythgoe, National List Editor; with Christopher Rogers, Attorney for Johnson Mark LLC; and Greg Constantino, Founder & President of Constantino LawPosted:04/18/2013
Vermont Debt Collection Laws
Spencer B. Lythgoe
Submitted by:
Spencer B. Lythgoe, Esq.Posted:04/08/2013
Virgin Islands Debt Collection Laws
Sarah R. Smith
Submitted by:
Sarah R. Smith, Law Offices of Karin A. Bentz, P.C.Posted:04/09/2013
Virginia Debt Collection Laws
Peter Kubin
Submitted by:
Peter Kubin, Dominion Law AssociatesPosted:04/10/2013
Washington Debt Collection Laws
Robert C. Scanlon
Submitted by:
Robert C. Scanlon, of Dellwo Roberts & Scanlon, P.S.Posted:04/11/2013
West Virginia Debt Collection Laws
James B. Atkins
Submitted by:
James B. Atkins, Esq., Atkins & Ogle Law Offices, LCPosted:04/12/2013
Wisconsin Debt Collection Laws
Shane P. Gale
Submitted by:
Shane P. Gale and Rausch, Sturm, Israel, Enerson & Hornik, LLCPosted:04/15/2013
Wyoming Debt Collection Laws
Larry W. Harrington
Submitted by:
Larry W. Harrington, of Harrington Law Firm, P.C.Posted:04/16/2013