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Mississippi debt collection laws: the 30-day full wage exemption, the 3-year statute of limitations, and the extinguishment rule that outright kills old debt.
Minnesota debt collection laws: the 2024 Debt Fairness Act's tiered garnishment caps (10/15/25%, no 5% tier), the 6-year SOL, and repossession rules.
Michigan debt collection laws: the federal 25% garnishment floor, the 6-year statute of limitations, the writing-only revival rule, and repossession licensing.
Massachusetts debt collection laws: the 85%/50x trustee-process formula, the self-executing $2,500 bank exemption, and the court-hearing repossession rule.
Maryland debt collection laws: the 75%/30x wage garnishment formula, the 2016 no-revival-by-payment rule, and repossession notice and redemption rights.
Maine debt collection laws: an unusually protective 40x-minimum-wage garnishment floor, the 6-year statute of limitations, and repossession right-to-cure rules.
Louisiana debt collection laws: the 25% garnishment ceiling, 3-year prescription on open accounts, interruption by payment, and licensed repossession rules.
Kentucky copies the federal 25% garnishment cap, but its $1,000 exemption only works in bankruptcy. Two-track debt deadlines and repossession rules.
Kansas bars debt buyers from wage garnishment, caps ordinary garnishment at 25%, and lets a bare payment revive old debt. Deadlines and repossession rules.
Iowa caps wage garnishment two ways and gives consumer borrowers a 20-day right to cure before repossession. Debt deadlines and bank exemptions explained.
Indiana caps wage garnishment at 25% (or less for good cause). DFI-verified exemption figures, the correct garnishment statute cite, and debt deadlines.
Illinois caps wage garnishment at 15% of gross pay, tighter than the federal 25% floor. Debt deadlines, 2026 exemption increases, and repossession rules.