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Collection Laws & Exemptions

FDCPA Applies to
Original Creditors
Homestead Exemption Vehicle Exemption Bank Account Wages
Alabama $5,000 (can double) None $3,000 75%
Alaska $70,200 $3,900 $1,820 or $2,860 $456-7161
Arizona $150,000 $5,000 $150 75%
Arkansas Unlimited (<1/4 acre) $1,200 $800 or $1250 75%
California Yes $50,0004 $5,000 (2x) $0 75%
Colorado $30,000 $5,000 None 75%
Connecticut $75,000 (2x if married) $1,500 $1,000 75%
Delaware None (if both owe $) None $500 85%5
D.C. Yes Unlimited $2,575 $850 75%
Florida Yes Unlimited $1,000 None 100%2
Georgia $10,000 (can double) $3,500 (2x) $600 75%
Hawaii Yes $30,000 $2,575 None 80%
Idaho $50,000 $5,000 $800 75%
Illinois $15,000 (can double) $1,200 $2,000 85%6
Indiana $7500 (can double) None $4,000 75%
Iowa Yes Unlimited $5,000 $100 75%3
Kansas Unlimited $20,000 None 75%
Kentucky $5,000 $2,500 $1,000 75%
Louisiana $25,000 None None 75%
Maine $25,000 (ask) $5,000 $400 75%
Maryland Yes None (if both owe $) $5,000 $6,000 75%
Massachusetts Yes $300,000 $700 $425 75%
Michigan Yes $35,300 or $52,925 if elderly or disabled $3,250 None 75%
Minnesota $200,000 $3,600 None 75%
Mississippi $75,000 $10,000 None 75%
Missouri $8,000 $1,000 $1,250 75%
Montana $60,000 $2,500 None 75%
Nebraska $12,500 $2,500 wildcard 85%
Nevada $125,000 $4,500 None 75%
New Hampshire Yes $30,000 $4,000 $8,000 75%
New Jersey None (if both owe $) $1,000 $1,000 90%7
New Mexico Yes $30,000 (may double) $4,000 $2,000 75%
New York Yes Varies by county See CVP 5206 $4,000 $2,5008 90%
North Carolina Yes $10,000 (may double) $1,500 $500 100%
North Dakot $80,000 $1,200 $7,500 75%
Ohio $25,000 $3,225 $425 (2x) 75%
Oklahoma Unlimited $3,000 None 75%
Oregon Yes $25,000 ($30K couple) $1,700 (2x) $400 75%
Pennsylvania Yes None (if both owe $) None $300 $100
Rhode Island $150,000 $12,000 None 75%
South Carolina Yes $50,000 (can double) $5,000 $5,000 100%
South Dakota Unlimited $6,000 6k-Auto 75%
Tennessee $5,000 ($7.5K cpl) $4,000 wildcard9 75%
Texas Yes Unlimited Unlimited None 100%
Utah $20,000 (can double) $2,500 or $3,500 None 75%
Vermont Yes $75,000 (can double) $2,500 $1,100 75%
Virginia $5,000 (+$500/kid 2x) $2,000 None 75%
Washington $40,000 $2,500 $500 75%
West Virginia Yes $25,000 (can double) $2,400 $800+ 75%
Wisconsin Yes $40,000 $1,200+ $1,000 75%
Wyoming $10,000 (can double) $2,400 None 75%
Notes 1. Alaska: $716/wk (head of family) or $456/wk (non-head of family)
2. Florida: 100% (head of family only) or 75% for non-head of household
3. Iowa: 75%, but yearly total limited
4. California: $50k (single), $75k (married), $125K (65 or disabled)
5. Delaware: 85% of disposable
6. Illinois: 85% of gross
7. New Jersey: 90% of gross, unless judgment-debtor earns more that 250% of federal poverty level, then court has discretion to use federal 25% exemption.
8. New York: Account contains directly deposited exempt benefits, including Social Security, SSI, Veterans benefits, disability, pensions, child support, spousal maintenance, workers compensation, unemployment insurance, Public Assistance, Railroad Retirement benefits, and Black Lung benefits. Otherwise, $1,740 on all other accounts. See the New York LawHelp Consortium for more information.
9. Tennessee: Up to $4,000 of any personal property, including a financial account, can be exempted. See Tennessee 26-2-103 for details.

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Most of the attorneys and law firms listed in the Columbia Law List, our collection attorney portal, have been our clients for many years and have proven themselves time and time again to be the cream of the crop, when it comes to attorneys who are highly proficient in the collection and litigation of bad debt claims. No matter where your bad debt claims are in California, our collection attorneys can serve your needs. Typically, collection attorneys collect bad debt claims on a contingency basis, meaning that there is no charge unless they collect. If you prefer, ask the attorney or law firm that you select if they offer hourly or flat fee plans for the collection or possible litigation of your accounts receivable in California.

Our collection attorneys have been instrumental in providing creditors with professional, ethical and expeditious recovery of debts owed in the State of California for many years. Unlike most California collection agencies, our collection attorney members can litigate your claims in court, which in many cases, will bring about a settlement to your case without continuing the process to obtain a consent, default or summary judgment. Each collection attorney listed in the Columbia Law List can handle your California bad debt claims from the beginning of the collection process, all the way through the litigation process if necessary and usually to a favorable conclusion.

These collection attorneys are aggressive yet professional. Each collection attorney abides by the California Collection Laws and the Fair Debt Collection Practices Act. Their collection law practice is designed to recover your California debts as quickly as possible in the utmost professional and diplomatic manner.

We realize that there are many collection attorneys and collection agencies in the California area but want you to know that should you choose one of our member collection attorneys, lawyers or law firms to serve your needs, your accounts receivable will be handled by some of the finest collection attorneys available in the State of California. Their service and support are second to none.

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Law Offices of Louis Jacobs

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The Gebeloff Law Group



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