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DebtShield

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AR Debt Laws

Arkansas Debt Collection Laws

Know your rights in Arkansas. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

5 years

Credit card SOL

5 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Arkansas Collection Law

AR Deceptive Trade Practices Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Arkansas

Social Security
Workers' comp
Unemployment
Pension

Key Arkansas Protections

DTPA allows treble damages for willful violations
$2,500 personal property exemption

Federal Laws (Apply in Arkansas)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Arkansas Debt Dispute Letter

DebtShield auto-cites Arkansas laws + FDCPA