State-by-State Guides

Debt Relief Companies Near You — State Guide

Your state's laws determine how long creditors can sue you, whether they can garnish your wages, and which debt relief strategies work best. Find your state below.

All 50

States Covered

4 States

With No Wage Garnishment

3 Years

Shortest SOL

10 Years

Longest SOL

Why your state matters: The statute of limitations (SOL) determines how long creditors can successfully sue you. Once it passes, the debt is "time-barred." Wage garnishment rules determine whether collectors can take money from your paycheck. Both vary significantly by state.

States With No Wage Garnishment for Consumer Debt

These 4 states prohibit creditors from garnishing wages to collect credit cards, medical bills, and personal loans — giving residents extra leverage in debt negotiations.

Popular City Guides

Looking for debt relief information specific to a major metro area? These city guides cover local debt levels, state rules, and top-rated companies serving that area.

Find Your State

Northeast

State	Credit Card SOL	Wage Garnishment
Alaska	3 years	25% of
Delaware	3 years	15% of
Louisiana	3 years	25% of
Maryland	3 years	25% of
Mississippi	3 years	25% of
New Hampshire	3 years	25% of
New York	3 years	10% of
North Carolina	3 years	Wages cannot
South Carolina	3 years	Wages cannot
California	4 years	25% of
Pennsylvania	4 years	Wages cannot
Texas	4 years	Wages cannot
Arkansas	5 years	25% of
Florida	5 years	Head of
Idaho	5 years	25% of
Illinois	5 years	15% of
Iowa	5 years	25% of
Kansas	5 years	25% of
Kentucky	5 years	25% of
Missouri	5 years	25% of
Montana	5 years	25% of
Nebraska	5 years	25% of
Oklahoma	5 years	25% of
Virginia	5 years	25% of
Alabama	6 years	25% of
Arizona	6 years	25% of
Colorado	6 years	25% of
Connecticut	6 years	25% of
Georgia	6 years	25% of
Hawaii	6 years	5% of
Indiana	6 years	25% of
Maine	6 years	25% of
Massachusetts	6 years	15% of
Michigan	6 years	25% of
Minnesota	6 years	25% of
Nevada	6 years	25% of
New Jersey	6 years	10% of
New Mexico	6 years	25% of
North Dakota	6 years	25% of
Ohio	6 years	25% of
Oregon	6 years	25% of
South Dakota	6 years	20% of
Tennessee	6 years	25% of
Utah	6 years	25% of
Vermont	6 years	15% of
Washington	6 years	25% of
Wisconsin	6 years	20% of
Wyoming	8 years	25% of
Rhode Island	10 years	25% of
West Virginia	10 years	25% of

Debt Relief Companies Near You — State Guide

States With No Wage Garnishment for Consumer Debt

Popular City Guides

Find Your State

State SOL & Garnishment Quick Reference

Not sure which option is right for you?