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DebtShield

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DC Debt Laws

District of Columbia Debt Collection Laws

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

3 years

Credit card SOL

3 years

Written contract SOL

25% of disposable earnings

Garnishment limit

District of Columbia Collection Law

DC Debt Collection Act

File complaints with: Office of the Attorney General

Income Protected from Garnishment in District of Columbia

Social Security
Unemployment
Workers' comp
Disability

Key District of Columbia Protections

Short 3-year SOL for all debt types
Strong consumer protection enforcement

Federal Laws (Apply in District of Columbia)

  • 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 District of Columbia Debt Dispute Letter

DebtShield auto-cites District of Columbia laws + FDCPA