In New Jersey, only attorneys can sue and enforce judgments—timely litigation, FDCPA and state-law compliance, and enforcement tools (garnishments, liens) determine recovery.
Minnesota enforces some of the nation's toughest debt collection rules—strict licensing, large surety bonds, consumer protections, enforcement, and new medical debt limits.
Clear guide to Michigan debt collection: licensing, MCPA/FDCPA compliance, statute of limitations, communication limits, and choosing a compliant agency.
Michigan debt rules: most consumer debts have a 6-year limit, some credit-card/sale-of-goods debts 4 years, judgments enforceable 10 years; resets and FDCPA risks.
Washington’s 2025 laws ban medical debt credit reporting, cap interest at 9%, bar wage garnishment, and require itemized bills and strict collector limits.