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State Requirements for Collection Agencies

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Information Requires
In State
License Requires
In State
Bond Requires
Out-of-State
Agencies
to License Requires
Out-of-State
Agencies
to Bond

Alabama * Yes No No No

Alaska Yes Yes Yes Yes

Arizona Yes Yes Yes Yes

Arkansas Yes Yes Yes Yes

California No No No No

Colorado Yes Yes Yes Yes

Connecticut Yes Yes Yes Yes

Delaware No No No No

District of Columbia No No No No

Florida Yes Y/N Yes Y/N

Georgia No No No No

Hawaii Y/N Yes Y/N Yes

Idaho Yes Yes Yes No

Illinois Yes Yes Yes Yes

Indiana Yes Yes Yes Yes

Iowa No No No No

Kansas No No No No

Kentucky No No No No

Louisiana Yes Yes Yes Yes

Maine Yes Yes Yes Yes

Maryland Yes Yes Yes Yes

Massachusetts Yes Yes Yes Yes

Michigan Yes Yes Yes Yes

Minnesota Yes Yes Yes Yes

Mississippi No No No No

Missouri No No No No

Montana No No No No

Nebraska Yes Yes No No

Nevada Yes Yes Yes Yes

New Hampshire No No No No

New Jersey No Yes No Yes

New Mexico Yes Yes Yes Yes

New York No NYC & Buff No NYC & Buffalo

North Carolina Yes Yes Yes Yes

North Dakota Yes Yes Yes Yes

Ohio No No No No

Oklahoma No No No No

Oregon Yes Yes Yes Yes

Pennsylvania No No No No

Puerto Rico Yes Yes Yes Yes

Rhode Island No No No No

South Carolina No No No No

South Dakota No No No No

Tennessee Yes Yes Yes Yes

Texas No Yes No Yes

Utah Yes Yes Yes Yes

Vermont No No No No

Virginia No No No No

Washington Yes Yes Yes Y/N

West Virginia Yes Yes Yes Yes

Wisconsin Yes Yes Yes Yes

Wyoming Yes Yes Yes Yes

States that do NOT REQUIRE a Collection License

California

Delaware

District of Columbia

Georgia

Iowa

Kansas

Kentucky

Mississippi

Missouri

Montana

New Hampshire

Ohio

Oklahoma

Pennsylvania

Rhode Island

South Carolina

South Dakota

Vermont

Virginia

* Alabama - Section 40-12-80 requires $100 license if you live in a city with population of 20,000 or more - otherwise $25. No bonds and no out of state collectors need to register. http://alisondb.legislature.state.al.us/acas/ACASLogin.asp
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Statutes of Limitations

State

Oral
Agreements

Written
Contracts

Promissory
Notes

Judgments

Alabama

6

6

6

20

Alaska

6

6

6

10

Arizona

3

6

5

5

Arkansas

3

5

6

10

California

2

4

4

10

Colorado

6

6

6

20

Connecticut

3

6

6

20

Delaware

3

3

6

No Limit

D.C.

3

3

3

3

Florida

4

5

5

20

Georgia

4

6

6

7

Hawaii

6

6

6

10

Idaho

4

5

10

6

Illinois

5

10

6

20

Indiana

6

10

10

20

Iowa

5

10

5

20

Kansas

3

5

5

5

Kentucky

5

15

15

15

Louisiana

10

10

10

10

Maine

6

6

6

20

Maryland

3

3

6

12

Massachusetts

6

6

6

20

Michigan

6

6

6

10

Minnesota

6

6

6

10

Mississippi

3

3

3

7

Missouri

5

10

10

10

Montana

5

8

8

10

Nebraska

4

5

6

5

Nevada

4

6

3

6

New Hampshire

3

3

6

20

New Jersey

6

6

6

20

New Mexico

4

6

6

14

New York

6

6

6

20

North Carolina

3

3

5

10

North Dakota

6

6

6

10

Ohio

6

15

15

21

Oklahoma

3

5

5

5

Oregon

6

6

6

10

Pennsylvania

4

6

4

4

Rhode Island

15

15

10

20

South Carolina

10

10

3

10

South Dakota

6

6

6

20

Tennessee

6

6

6

10

Texas

4

4

4

10

Utah

4

6

6

8

Vermont

6

6

5

8

Virginia

3

5

6

20

Washington

3

6

6

10

West Virginia

5

10

6

10

Wisconsin

6

6

10

20

Wyoming

8

10

10

5

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Florida's New 2010 Garnishment Law (.pdf)

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