Debt collectors by state
State law adds to the federal rules: how long a collector can sue, whether it needs a license, and where to complain. Pick your state.
| State | Complaints, 12 mo | Credit card time limit |
|---|---|---|
| Alabama | 8,148 | 6 years |
| Alaska | 256 | 3 years |
| Arizona | 8,706 | 6 years |
| Arkansas | 2,317 | 5 years |
| California | 26,027 | 4 years |
| Colorado | 2,372 | 6 years |
| Connecticut | 1,948 | 6 years |
| Delaware | 1,275 | 3 years |
| District of Columbia | 639 | 3 years |
| Florida | 34,116 | 5 years |
| Georgia | 25,761 | 6 years |
| Hawaii | 411 | 6 years |
| Idaho | 609 | 5 years |
| Illinois | 10,346 | 5 years |
| Indiana | 3,670 | 6 years |
| Iowa | 744 | 10 years |
| Kansas | 818 | 5 years |
| Kentucky | 1,556 | 15 years |
| Louisiana | 8,254 | 3 years |
| Maine | 200 | 6 years |
| Maryland | 6,181 | 3 years |
| Massachusetts | 2,960 | 6 years |
| Michigan | 6,490 | 6 years |
| Minnesota | 1,932 | 6 years |
| Mississippi | 6,936 | 3 years |
| Missouri | 3,542 | 5 years |
| Montana | 271 | 5 years |
| Nebraska | 640 | 5 years |
| Nevada | 3,873 | 6 years |
| New Hampshire | 403 | 3 years |
| New Jersey | 7,762 | 6 years |
| New Mexico | 762 | 6 years |
| New York | 11,740 | 3 years |
| North Carolina | 12,798 | 3 years |
| North Dakota | 410 | 6 years |
| Ohio | 7,014 | 6 years |
| Oklahoma | 2,687 | 5 years |
| Oregon | 1,404 | 6 years |
| Pennsylvania | 10,630 | 4 years |
| Rhode Island | 698 | 10 years |
| South Carolina | 12,719 | 3 years |
| South Dakota | 202 | 6 years |
| Tennessee | 5,658 | 6 years |
| Texas | 54,805 | 4 years |
| Utah | 1,036 | 6 years |
| Vermont | 81 | 6 years |
| Virginia | 5,881 | 5 years |
| Washington | 4,405 | 6 years |
| West Virginia | 393 | 10 years |
| Wisconsin | 2,127 | 6 years |
| Wyoming | 173 | 10 years |