State Requirements for Collection Agencies
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
_________________________________________
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
|