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DebtShield

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CA Debt Laws

California Debt Collection Laws

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

4 years

Credit card SOL

4 years

Written contract SOL

25% or amount exceeding 40x mi

Garnishment limit

California Collection Law

Rosenthal Fair Debt Collection Practices Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in California

Social Security
Unemployment
Workers' comp
Disability
Retirement accounts
75% of wages

Key California Protections

Rosenthal Act applies to ORIGINAL creditors too (not just collectors)
Strong wage exemptions — up to 75%
Community property state
2-year SOL for oral contracts

Federal Laws (Apply in California)

  • 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 California Debt Dispute Letter

DebtShield auto-cites California laws + FDCPA