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DebtShield

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NM Debt Laws

New Mexico Debt Collection Laws

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

6 years

Credit card SOL

6 years

Written contract SOL

25% of disposable earnings

Garnishment limit

New Mexico Collection Law

NM Unfair Practices Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in New Mexico

Social Security
Unemployment
Workers' comp
Pension

Key New Mexico Protections

Community property state — spouse debt implications
Treble damages under Unfair Practices Act

Federal Laws (Apply in New Mexico)

  • 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 Mexico Debt Dispute Letter

DebtShield auto-cites New Mexico laws + FDCPA