State Debt Management Centers

Many laws relating to debt management are governed by state law. Examples include restrictions on payday lending and debt relief services, state debt collection laws that add to the federal Fair Debt Collection Practices Act, procedures for car repossession and wage garnishment, and exemptions that protect some of your property from judgment creditors. In addition, many states have enacted laws the protect consumers in various transactions, such as buying a new car or receiving calls from telemarketers.

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