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DebtShield

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OH Debt Laws

Ohio Debt Collection Laws

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

6 years

Credit card SOL

8 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Ohio Collection Law

Ohio Consumer Sales Practices Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Ohio

Social Security
Unemployment
Workers' comp
Pension

Key Ohio Protections

CSPA provides additional remedies
8-year SOL on written contracts (longer than most)

Federal Laws (Apply in Ohio)

  • 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 Ohio Debt Dispute Letter

DebtShield auto-cites Ohio laws + FDCPA