Two New Years Resolutions For Someone Trying To SaveDecember 31, 2018
How do Florida debt collection laws (FCCPA) compare to federal guidelines (FDCPA)?June 18, 2020
I am a little late with this article considering everyone is outside and hanging out, but the laws are still in effect in some states. Being a pandemic; many states have put restrictions on collection Laws.
Nexum Group Inc is going to be working with debtors who are having difficulties by moving around payment plans, extending payments, or lowering payment amounts during Covid-19. Debt Collection laws in Florida remain the same.
Be safe and push forward.
Fox Business Cited: https://www.foxbusiness.com/lifestyle/states-debt-collection-coronavirus-crisis
According to the National Consumer Law Center, the following states have implemented new rules on debt collection during COVID-19.
- California: Stimulus checks cannot be garnished. The governor also ordered that any money collected be returned.
- Illinois: The governor suspended the permits that allow garnishment on April 14. Illinois Supreme Court measures passed on April 24 mean that funds up to $4,000 garnished after March 8, 2020 must be returned.
- Indiana: Originally ordered that courts could not issue writs until the end of the emergency. Then on April 20, it also stopped garnishment of stimulus payments.
- Iowa: The governor has suspended garnishment and debt collection activities until April 30, although this may be extended.
- Maryland: A governor’s order states that stimulus payments are exempt from garnishment.
- Massachusetts: In one of the first states to take action to limit debt collection during the crisis, stimulus funds cannot be garnished and debt collectors may not begin new actions during the health emergency.
- Nebraska: The Attorney General says the state will enforce existing rules which stop creditors from garnishing money needed for basic necessities.
- Nevada: The issuance of court orders allowing wage garnishment have been suspended until April 30.
- New York: Stimulus payments cannot be garnished under New York law. Other debt collection practices have been banned during the crisis.
- North Carolina: Suspended collection of state-owned debts.
- Ohio: The Attorney General declared that stimulus payments are exempt from garnishment.
- Oregon: The governor ordered that stimulus checks cannot be garnished.
- Rhode Island: The Attorney General declared stimulus checks exempt from seizure.
- Texas: Writs can be issued, but bank accounts cannot be garnished, nor can accounts be frozen until after May 25.
- Virginia: Declared judicial emergency, which means that courts will not operate — and so will not issue garnishments — until May 17.
- Vermont: The Attorney General declared on April 21 that stimulus payments are exempt from garnishment.
- Washington: The Governor prohibited certain garnishments until May 14.
- Washington, D.C.: As part of a number of measures passed by the mayor on April 10, creditors and debt collectors may not initiate or act upon any garnishment or withholding of earnings or funds. This applies during the health emergency and for 60 days afterward.
– Michael Murphy