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DebtShield

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NH Debt Laws

New Hampshire Debt Collection Laws

Know your rights in New Hampshire. 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

Limited — only for specific de

Garnishment limit

New Hampshire Collection Law

NH Consumer Protection Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in New Hampshire

Social Security
Unemployment
Workers' comp
Pension

Key New Hampshire Protections

Very short 3-year SOL
Limited wage garnishment

Federal Laws (Apply in New Hampshire)

  • 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 New Hampshire Debt Dispute Letter

DebtShield auto-cites New Hampshire laws + FDCPA