collection state laws

7/29/2019 Collection State Laws

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Stat

e

General

GarnishmentExemptions

Bad Checks Max Bad Debt

Rates

Collection

Agency Bond &License

AL 75% of wages areexempt fromgarnishment

Greater of $10 orActual Bank Charges(Section 7-3-118)

Legal: 6%Judgment: 12%

Bond: NoLicense: YesFee:$25 - Populationunder 20,000$100 - Populationover 20,000Exemption for out-of-state collectors:Business Licensenot required for out-of-state agency.

AR $500 head of family;$200 single.

Includes personalproperty exceptclothing.

Twice amount ofcheck - prior to

double charge - canstart out with $15charge per NSF checkafter 30 days.

Legal: 6% or 5 pointsabove the Fed.

Discount rateJudgment: Contractrate or 10% perannum whichever isgreater

Bond: $5000 to$25000

License: YesFee: $125 - $5 eachemployee

AK Federal GarnishmentReturns*

Damages in amountequal to $100 ortriple the amount ofthe check, whicheveris greater, but nomore than $1000over the amount ofthe check.

Legal: 10.5%Judgment: 10.5% orcontractual

Bond: $5000License: YesFee:$100 - Application$200 - AgencyBiennially

AZ Federal GarnishmentReturns*

Twice the amount ofcheck, costs of suit,reasonable attorneyfees.

Legal: 10%Judgment: 10% orcontractual

Bond: $10,000minimum (based ongross income)License: YesFee:$1500 ApplicationFee$600 Annual Fee$23 perOfficers/Managers

CA Federal GarnishmentReturns*

Amount due, Trebledamages - minimum$100 maximum$1500 per check

Legal: 10%

Judgment: 10%(Unless otherwisecontracted)

No license or bondrequired.

CO Federal GarnishmentReturns*

Fees Bounced Check3 years SOL UCC 4-3-11. Treble Damages& Reasonable

Legal: 8%Judgment:8% (orhigher if specified incontract or note)

Bond: $12,000 -20,000

License: Yes

Fee: Determined bycollection agencyboardExemption for out-of-state collectors:Out of statecollectors areexempt if [1]collecting only byinterstate means(phone, fax, mail);[2] have no


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Colorado client; and[3] are regulatedand licensed in thestate in which theyreside.

CT 25% you may garnishdisposable earnings eachweek, or 40 x fed. min.

hourly wage, whicheveris less.

Personal liability ofsignatory oncorporate claims

unless signed incorporate capacity.

Legal:8%Judgment:10%

Bond:$5000License: YesFee:

$200 Yearly$50 Investigation

DE 85% of disposableearnings or disposableearnings

minus $150 weeklyaccording to schedule.

Amount due, cost ofsuit, protest fees

Bounced CheckSOL 3-118. 3Years

Legal: Fed ReserveDiscount Rate Plus 5%Points

Judgment: FedReserve DiscountRate Plus 5% Points

Bond: NoLicense: Merc.LicenseFee: $50 Yearly

DC Federal GarnishmentReturns* D.C.Government employeesare not attachable.

Amount Due - ProtestFees

Legal: 6%Judgment: 70% ofinterest rates on taxesto IRS

Bond: NoLicense: NoFee: No

FL See federal law* except100% head of household.Liberal HomesteadExemption - 1st $1,000of automobile

After 30 day demand-treble amount inaddition to amountowed, bank & courtcosts & reasonableattorney fees.

Legal: 10%Judgment: 10% or upto 18% if contractual

Bond: Yes - $50,000(Commercial)License: YesFee: Yes$200 - Registration$50 - Investigation$200 - RenewalExemption for out-of-state collectors:Registration isrequired for out-of-state collectors if[1] solicitingaccounts; [2] ifclient (creditor, its

affiliate orsubsidiary) has anoffice in Florida.

GA Legal: 7%Judgment: 12%Commercial Accounts:18%

After 10 day writtendemand doubledamages up to $500and service charge of$20 or 5%, whicheveris greater,

See federal law. City,County & Stateemployees may begarnished.


HI Legal: 10%Judgment: 10% (NoWritten Contract)

Damages equal to$100 or triple amountof check, not toexceed $500.

General garnishmentexemptions95% of 1st $100, 90%of 2nd $100, 80% netwages in excess of$200 per mo. Orfederal limits

whichever is greater.

Collection agencybond & licensesBond: $25,000 /$15,000 eachbranch

License or

registration:Required tosolicit/collect

ID Legal: 12%Judgment: 10.875% plusthe base rate

Triple amount ofcheck up to $500over the checkamount

See federal law. Bond: $5,000 initialLicense: YesFee: $100 -permitfee $50 - renewalExemption for out-of-state collectors:Out-of-statecollectors mayqualify for a special


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license if [1] onlycollecting for client;and [2] are licensedand bonded by anystate

IA Legal: 5%Judgment: 10%

Triple check up to$500 over checkamount

See federal law. Bond: NoLicense: NoFee: No

IL INTEREST RATELegal: 5%

Judgment: 9%

Triple check amountup to $500, attorneyfees & court costs.

15% of gross wages ordisposable earningsfor workweek up to 45x fed. min. hourlywage, whichever isgreater.

Bond: $25,000License: YesFee:$750 - Original$750 - RenewalExemption for out-of-state collectors:Out-of-statecollectors may beexempt if[1] not solicitingaccounts in Illinois;

[2] their state ofresidence has lawswhich provide

similar reciprocity(allow out-of-stateagencies to collectonly); and[3] the state inwhich the non-Illinois agencyresides extends thesame privileges toout-of-stateagencies.

IN Legal: 8%Judgment: 8%

Triple check amountup to $500 overcheck amount, +attorney fees &interest up to 18%per annum or triple

check amount +attorney fees andinterest at 8% perannum

75% of disposableearnings for workweek or the amount of30 x fed. min. hourlywage, whichever isgreater.

Bond: $5000 eachofficeLicense: YesFee:$100 plus $5 perannum, each

unlicencedemployee$30 branch office$80 - Renewal

Exemption for out-of-state collectors:Out-of-statecollectors areexempt fromlicensing if[1] collecting for anon-residentcreditor; and[2] collectionactivities limited to

interstatecommunications(phone, fax, mail).

KS Legal: 10%Judgment: 12%

Three times checkamount notexceeding the checkamount by $500 or$100 whichever isgreater plus attorneyfees

See Federal LawPlus other personalproperty, benefitexemptions, andhomestead


KY Legal: 8%Judgment: 12%

N/A 75% of disposableincome or 30 times

Bond: NoLicense: No


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the federal minimumhourly wage(whichever is greater)

Fee: No

LA Legal: 9.75%Judgment: 9.75%

After 30 day writtendemand (certified orregistered), twicecheck amount.Attorney fees & court

costs

75% disposableearnings per workweek, but not lessthan 30 x fed. min.hourly wage.

Bond: Yes - $10,000License: YesFee:$200 Initial$200 Investigation

$200 Renewal$100 Branch$100 BranchRenewal

ME Legal: 8%Post Judgment: 15%annual (less than$30,000) T-Bill rate over$30,000

Amount due, courtcosts, service costs &collection costs

You may garnish 25%of disposable incomeor 40 times thefederal minimumwages per week(whichever is less)After judgement only.

Bond: $25,000 to$50,000License: YesFee: $400 Yearly

Exemption for out-of-state collectors:Contact stateauthority. Licensingauthority is allowingsome exemptionsto out-of-state

agencies thatcollect for non-resident creditorsand are notsoliciting.

MD Legal: 6%Judgment: 10% orcontractual

After 30 day writtennotice, amount due,$25 fee, twice checkamount up to $1000.(At the discretion ofthe court.) Applies toCOD sales only.

Greater of 75% oramount = to $145 xno. of wks. in whichwages due wereearned; except inCaroline, Worchester,Kent & Queen Anne'sCounties, see federallaw. Exemption is upto $3,000 in cashand/or property fornon-wage property

exemption.

Bond: $5000License: YesFee: $200 eachoffice

MA Legal: 6%Judgment: 12%Contract: 12%

Amount due, costs ofsuit, protest feesAdditional damages$100 - $500 can beassessed.

$125 week Bond: $10,000 -$25,000License: YesFee: Determined bycommissioner

MI Legal: 5%Judgment: 7.162 changessemi-annuallyUsury limit 25%

Twice the amount ofcheck-not to exceed$500.Retail Claims - NoticeRequirements.

See federal law. (RETAIL ONLY)

Bond: $5,000 -$50,000License: YesFee:$150 - Investigation$225 - Initial$125 - Annually

Exemption for out-of-state collectors:Out-of-statecollector areexempt if [1]collecting byinterstate means;and [2] have noclients in the stateof Michigan.

MN Legal: 6%Judgment: 5% (Changes

$100 or up to 100%of the value of the

Greater of 75% oramount = to 40 x fed.

Bond: $5,000 to$20,000


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Yearly)Business or AgriculturalLoan: 4.5% over federaldiscount rate

check, whichever isgreater, plus interestat the rate payableon judgments on theface amount ofcheck, plusreasonable attorneyfees if aggregate

amount of checkswithin 6 month periodis over $1250.

min. hourly wage License: YesFee:$1,000 - Initial$400 - Annual$10 - Per Collector

MS Legal: 8%Judgment: Amount incontract if no contractamount court decides

On checks up to andincluding $25.00,additional damageswould be 100% ofcheck amount. Onchecks from $25.01to $200.00, additionaldamages would be50% of check amountbut not less than$25.00. On checksover $200.00additional damageswould be 25% ofcheck amount.

See federal law. Bond: NoLicense: City-BusinessFee: $15-$50

MO Legal: 9%Judgment: 9%

Three times faceamount owed or $100whichever is greaternot to exceed $500(exclusive of attorneyfees)

See federal law;exempt 90% of week'snet pay, head ofhousehold, singleperson w/o depend. =75%


MT Legal: 10%Judgment: 10%A binding writtenagreement may providefor interest of 15% or 6%above prime

$100 minimum or 3times face value upto $500

See federal law. Bond: NoLicense: NoFee: NoCaveats:Foreigncorporations shouldregister with MTSec. of State prior

to any suit in MTCourts or riskdismissal.Attorney fees only ifprovided by asigned writtenagreement.

NC Legal: 8%Judgment: 8%

30 day writtendemand lesser of$500 or 3x checkamount, but not lessthan $100.

100% of last 60 days'earnings for familysupport. Garnishmentonly by politicalsubdivisions for taxes,ambulance fees, etc.

Bond: $5,000 to$50,000License: YesFee: $500Exemption for out-of-state collectors:Contact stateauthorities.Unofficially,

licensing authoritiesmay allow out-of-state agencies tobypassrequirements ifthey do not solicit instate and/or workfor in-state clients.

ND Legal: 6%Judgment: 12%

Amount due,collection fees of $20,and $100 or 3x checkwhichever is less.

Greater of 75% oramount each wk. = to40 x fed. min. hourlywage. Plus $20.00

Bond: $20,000License: YesFee: $200Exemption for out-


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each householddependent.

of-state collectors:Out-of-statecollectors may beexempt if [1]collecting only; [2]their office islocated in a statethat has a

reciprocal law; and[3] the state has"enacted similarlegislation".

NE Legal: 12% per writteninstrument or contractrate

Judgment: 1% abovebond equivalent yield aspublished by U.S.

Treasury

Amount due, costs,protest fees

Greater of 75%disposable earnings(85% if head ofhousehold), or 30 xfed. minimum hourlywage.

Bond: Based on Lic.Solic. Less Than 5 =5,000, 5-15=$10,000, 16-Up=$15,000License: YesFee: (not to exceed)$250 - Investigation$200 - Original$100 - Renewal$50 - InvestigationBranch Office$35 - OriginalBranch OfficeExemption for out-of-state collectors:Out-of-statecollectors areexempt if [1]communicating byinterstate means(phone, fax, mail);and [2] are"regulated" by thelaws of anotherstate.

NH Judgment: 7.6%

Amount due, interest,court costs,reasonable costs of

collection & $10 perday (max. $50)

50 x fed. min. hourlywage - All futurewages are exempt so

that the court cannotissue an ongoingorder.


NJ Legal: 6%Judgment: No StatutoryProvision

N/A $142.50 wk. min. 10%of gross earnings$142.50 & Over

Bond: $5000 SuretyLicense: NoFee: No

NM Judgment: 8.75% (in theabsence of a writtencontract)

Amount due, tripledamages up to $500per check. Complexrequirements need tobe met.

Greater of 75% oramount each wk. = to40 x fed. min. hourlywage

Bond: $5,000minimum - basedon volumeLicense: YesFee:$500 - originalcollection agency orbranch

$300 - renewalcollection agency orbranch$100 - examinationfee for manager'slicense$50 - managerrenewalExemption for out-of-state collectors:Out-of-state agencyis exempt if [1]


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collecting byinterstate means(phone, fax, mail);and [2] debt wasincurred outside thestate of NewMexico.

NV Legal: 2% Over Prime

Judgment: 2% OverPrime

Amount due, protest

fees three timescheck amount notmore than $500, orless than $100

Garnish only. 25% of

Disposable earningsfor each week or 30times federalminimum hourly wage(whichever is less)

Bond: $25,000 to

$50,000License: YesFee:$250 - App. Survey$300 - Original$200 - RenewalExemption for out-of-state collectors:Out-of-statecollectors areexempt if [1]collecting byinterstate means(phone, fax, mail);and [2] collectingfor an out-of-stateclient.

NY INTEREST RATELegal: 16%

Judgment: 9%

Face value of checkplus two times checkamount up to amaximum of $400 onNSF or $750 on "noaccount" (Demandprescribed by law).GEN.OB.1.1-104

90% of earnings,except 1st $127.50wk. wholly exempt.

Bond: NoLicense: NoFee: NoBuffalo: $5,000Bond - $50 feeNYC: License - $150- 2 yr. fee

OH Legal: 10%Judgment: 10%

The greater of $200or three times theamount of check andattorney fees (nomaximum)

See federal law.Garnishment limitedto once a month peremployee.


OK Legal: 6%Judgment: 4% over U.S.Treasury Bill Rate of

previous year. (1996 =9.55% 1997 = 9.15%)

N/A State law: 75% of earnings exempted,more if hardship

established. Allfederal exemptionsapply.


OR Statutory + Judgment:9% simple interest perannum (Unless specifiedby contract)

Can recoverreasonable attorneyfees & statutorydamages of threetimes the amount ofthe NSF checkplus$500 if demandletter is sent todebtor 30 daysbefore suit is filed.

75% of disposableearnings or 40 x fed.min. hourly wage.

Bond: NoLicense:Registration onlyFee: Established bydirectorExemption for out-of-state collectors:Contact stateauthorities. Out-of-state agencies maybe exempt if [1]collecting for out-of-state client; [2] the

debt was incurredby an Oregonianoutside the state;and [3] the statewhere the collectionagency isheadquartered hasa registrationprogramcomparable toOregon's law.

PA Legal: 6% After demand and 100%of wages, Bond: No


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Judgment: 6%

judgment tripledamages in amountequal to $1 00 or 3times the checkamount whichever isgreater up to $500.

certain pensions,retirement accounts &Keogh plan undercertain circumstances,and $300.

License: NoFee: No

RI Legal: 12%Judgment: 12%

Amount of check, $25fee & treble damage

up to $1000

See federal law. Bond: NoLicense: No

Fee: NoSC Legal: 8.75%

Judgment: 14%

Reasonable courtcosts amount ofcheck& damages upto $500 or 3x checkamount whichever issmaller

100% Bond: NoLicense: Yes - allbusinessFee: NoExemption for out-of-state collectors:License required forin-state agencyonly.

SD Legal: 12%Judgment: 10%

N/A 20% of the individualsdisposable earningsfor a 60 day period


TN Legal: 10%Judgment: 10% (orcontract rate) (varies

with type of transaction)

Treble damages up to$500 + 10% interest& reasonable service

charges, atty's fees,& court costs.

See federal law. Add$2.50 per wk. fordependent child under

16.

Bond:$15,000 1-4employee

$20,000 5-9employee$25,000 10 or moreLicense: YesFee:$600 - Original$350 - Renewal$25 - Each SolicitorExemption for out-of-state collectors:Contact statelicensing authority.Out-of-stateagencies may beexempt if they [1]maintain office inanother state; [2]

resides in a statethat providesreciprocity; and [3]comply withprovisions oflicensing.

TX Legal: 6% withagreement can chargeup to 18%. w/oagreement - statutoryinterest of 6% begins torun 30th day afterbecoming due

Judgment: 10%

N/A 100% of Wages Bond: YesLicense: NoFee: NoAlways consultcounsel to chargeinterest - Texas hasvery onerous usurylaws & penalties.

UT Legal: 7.35%

Judgment: Contract rateor Federal Judgment Rate

Certified statutory

bad check noticemust be sent.Amount due, interest,court costs,reasonable attorney'sfees, plus $15 badcheck fee.

$142.50 of disposable

earnings for wagespaid weekly.

Bond: $10,000

License: YesFee: Varies by Cityand County.

VA Legal: 8%Judgment: 9% or contractrate whichever is higher

Lesser of $250 orthree times checkamount

See federal law. Bond:$5000License: Dependson LocalityFee: No

VT Legal: 12% Court costs, amount 75% of earning above Bond: No


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Judgment: 12% of check, attorneysfees, damage of $50.(Notices required)

minimum wage orwhat is necessary tolive.

License: NoFee: No

WA Legal: 12%Judgment: 12%

Lesser of checkamount or 12%interest, collectioncosts up to $40. Iftaken to court,

reasonable attorney'sfees, 3 x value, or upto $300. Now have 6years to enforce abad check.

Greater of 75% or $64wk. (40 x state min.hourly wage).

Bond: $6000general, $4000specialtyLicense: YesFee:

$100 - Investigation$100 - Original$100 - Renewable$50 - Branch OfficeExemption for out-of-state collectors:Contact stateauthorities. Out-of-state agencies mayqualify for lesserlicensing fees. Out-of-state collectorsare no longerrequired to haveresident office andin-state trustaccounts if theydon't have in-stateclient. Bond is notrequired if held inhome state.

WV Legal: 6%Judgment: 10%

Amount due, servicecharge up to $10. Ifcheck is under$500.00 =misdemeanor. Over$500.00 = felony.

See West Va code 38-5A-3-Employeeswithhold 20% ofdisposable income or30x the minimumhourly rate, whicheveris less. Otherexemptions apply.

COLLECTIONAGENCY BOND &LICENSEBond: $5,000License: Yes -Franchise Reg. Cert.Fee: $15 AnnualExemption for out-of-state collectors:Contact stateauthorities. Someout-of-state

agencies may beexempt if they areonly collecting forout-of-state clients.

WI Legal: 5%Judgment: 12%

Amount of check plusactual damages +exemplary damagesup to three timesvalue of check.Limited to $300.

80% of net pay. Bond: $15,000 min.License: YesFee:$1000 -Investigation$200 - AnnualExemption for out-of-state collectors:Out-of-stateagencies do notneed to be licensedif [1] collecting by

interstate means(phone, fax, mail);and [2] collectingfor an out-of-stateclient.

WY Legal: 7%Judgment: contract rateor 10% judgment rate

Double the faceamount plusdamages equal tocollection cost andreasonable attorneyfees.

See federal law forconsumer credit sale,lease or loan. Up to65% for child supportarrearage.

Bond: $10,000License: YesFee:$200 - Original$100 - Renewal$100 - BranchExemption for out-


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of-state collectors:Out-of-stateagencies maybypass licensing ifthey are not [1]soliciting clients inWyoming; or [2]collecting for

Wyoming creditors.

Links

State

Supplemental Website information

AL General:http://www.legislature.state.al.us/CodeofAlabama/1975/coatoc.htm

CA License/Resident Agenthttp://www.sos.state.al.us/sosinfo/inquiry.cfm

AR http://www.arkleg.state.ar.us/NXT/gateway.dll?f=templates&fn=default.htm&vid=blr:codeAK General

http://www.legis.state.ak.us/folhome.htm

SOLhttp://old-www.legis.state.ak.us/cgi-bin/folioisa.dll/stattx02/query=*/doc/{t2241}?

Retail Installment Sales Acthttp://old-www.legis.state.ak.us/cgi-bin/folioisa.dll/stattx02/query=retail+installment+act/doc/{@17116}?

CA License/Resident Agenthttp://www.dced.state.ak.us/bsc/CorpStart.cfm

AZ 3 YR SOLhttp://www.azleg.state.az.us/FormatDocument.asp?inDoc=/ars/12/00543.htm&Title=12&DocType=ARS

6 YR SOLhttp://www.azleg.state.az.us/FormatDocument.asp?inDoc=/ars/12/00548.htm&Title=12&DocType=ARS

State UCChttp://www.azleg.state.az.us/ArizonaRevisedStatutes.asp?Title=47

Licensed Collection Agencieshttp://www.azbanking.com/Lists/CA_List.HTML

CA Generalhttp://www.leginfo.ca.gov/calaw.html

SOL337 4 Years 339 2 Yearshttp://www.leginfo.ca.gov/cgi-bin/displaycode?section=ccp&group=00001-01000&file=335-349.4

California Penal Code 518-527http://www.leginfo.ca.gov/cgi-bin/displaycode?section=pen&group=00001-01000&file=518-527

State UCChttp://www.leginfo.ca.gov/cgi-bin/calawquery?codesection=com&codebody=&hits=20

CA FDCPA AKA Rosenthal FDCPAhttp://www.leginfo.ca.gov/cgi-bin/displaycode?section=civ&group=01001-02000&file=1788-1788.3


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FDCPA w/CA FDCPAhttp://www.dca.ca.gov/legal/dc_2.pdf

CO Generalhttp://198.187.128.12/colorado/lpext.dll?f=templates&fn=fs-main.htm&2.0

CT Generalhttp://www.cga.state.ct.us/2003/pub/titles.htm

SOL

http://www.cga.state.ct.us/2001/pub/Chap926.htm#sec52-576.htm

State UCChttp://www.cga.state.ct.us/2003/pub/Title42a.htm

CA License Infohttp://www.state.ct.us/DOB/pages/collect.htm

DE Generalhttp://www.delcode.state.de.us/

SOL 4-111. Statute of limitations 3 Yearshttp://www.delcode.state.de.us/title6/c004/sc01/index.htm

2-725. Statute of limitations in contracts for sale 4 Yearshttp://www.delcode.state.de.us/title6/c002/sc07/index.htm

Retail Installment Saleshttp://www.delcode.state.de.us/title6/c043/index.htm#P-1_0

State UCChttp://www.delcode.state.de.us/title6/index.htm#TopOfPage

CA License/Resident Agenthttp://www.state.de.us/corp/phoneinfo.htm

DC http://www.dccouncil.washington.dc.us/FL General

http://www.flsenate.gov/Statutes/index.cfm

Florida FDCPA & FCRAhttp://www.dbf.state.fl.us/licensing/ch559.html

Your Rights as a Debtorhttp://www.flabar.org/

CA Licensehttp://www.dbf.state.fl.us/licensing/download.html

Lienshttp://www.hidayricke.com/news/Articles/legal%20references/chapter%2055%20FS.htm

Public Recordshttp://www.ccfcorp.dos.state.fl.us/corpweb/inquiry/jlinquiry.html

Court Process

http://www.phonl.com/fl_law/rules/frcp/frcp1.htmGA http://www.legis.state.ga.us/cgi-bin/gl_codes_detail.pl?code=1-1-1HI http://www.capitol.hawaii.gov/hrscurrent/IA http://www.legis.state.ia.us/ID http://www3.state.id.us/idstat/TOC/idstTOC.htmlIL General

http://www.legis.state.il.us/legislation/ilcs/chapterlist.html

SOLhttp://www.legis.state.il.us/legislation/ilcs/ch735/ch735act5articles/ch735act5Sub87.ht


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m

Retail Installment Acthttp://www.legis.state.il.us/legislation/ilcs/ch815/ch815act405.htm

Motor Vehicle Retail Installment Sales Acthttp://www.legis.state.il.us/legislation/ilcs/ch815/ch815act375.htm

State UCChttp://www.legis.state.il.us/legislation/ilcs/ch810/ch810act5articles/ch810act5artstoc.htm

Credit Services Organizations Act815 ILCS 605/http://www.legis.state.il.us/legislation/ilcs/ch815/ch815act605.htm

Illinois Fairness in Lending Act815 ILCS 120/http://www.legis.state.il.us/legislation/ilcs/ch815/ch815act120.htm

Revolving Charge Billing Act815 ILCS 130/http://www.legis.state.il.us/legislation/ilcs/ch815/ch815act130.htm

IN http://www.in.gov/legislative/ic/code/KS http://www.accesskansas.org/government/KY http://www.lrc.state.ky.us/home.htmLA http://www.legis.state.la.us/ME http://www.state.me.us/MD MARYLAND STATE LAW LIBRARY

http://www.lawlib.state.md.us/

MARYLAND JUDICIARYhttp://www.courts.state.md.us/

MA Massachusetts Trial Court Law Libraryhttp://www.lawlib.state.ma.us/index.htm

Massachusetts State Resource Pagehttp://www.romingerlegal.com/state/massachusetts.html

Massachusetts Chapter 93 regulation of Trade and certain enterpriseshttp://www.state.ma.us/legis/laws/mgl/gl-93-toc.htm

Massachusetts Division of Bankshttp://www.state.ma.us/dob/

MI MICHIGAN STATE LAWShttp://www.mileg.org/mileg.asp?page=ChapterIndex

STATE UCChttp://www.mileg.org

RETAIL INSTALLMENT ACT, CONSUMER MORTGAGE ACT, CONSUMER PROTECTION ACT,REGULATION OF COLLECTION PRACTICES, CREDIT REFORM ACThttp://www.michiganlegislature.org

MN GENERALhttp://www.leg.state.mn.us/leg/statutes.asp

MINNESOTA LAW LIBRARYhttp://www.lawlibrary.state.mn.us/

MS STATE UCChttp://www.mscode.com/


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MO http://www.moga.state.mo.us/homestat.aspMT http://www.state.mt.us/NC http://www.ncleg.net/gascripts/Statutes/StatutesTOC.plND http://www.state.nd.us/lr/information/statutes/cent-code.htmlNE http://statutes.unicam.state.ne.us/NH GENERAL

http://www.lawdog.com/states/nh/sta9.htm

UCC CODEhttp://www.lawdog.com/states/nh/sta9.htm

RETAIL INSTALLMENT ACThttp://www.lawdog.com/states/nh/sta9.htm

NJ http://www.njleg.state.nj.us/NM http://legis.state.nm.us/NV http://www.leg.state.nv.us/NY http://assembly.state.ny.us/OH http://www.legislature.state.oh.us/OK http://www.lsb.state.ok.us/OR http://www.leg.state.or.us/ors/home.htmPA http://www.legis.state.pa.us/

RI http://www.rilin.state.ri.us/Statutes/Statutes.htmlSC http://www.lpitr.state.sc.us/code/statmast.htmSD http://legis.state.sd.us/index.cfmTN http://www.legislature.state.tn.us/TX http://www.capitol.state.tx.us/statutes/statutes.htmlUT http://www.le.state.ut.us/~code/code.htmVA http://legis.state.va.us/VT http://vermont.gov/WA http://www.leg.wa.gov/rcw/index.cfmWI http://www.legis.state.wi.us/WV http://www.legis.state.wv.us/WY http://legisweb.state.wy.us/

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