OH Utility Debt

Ohio Utility Debt Laws

Everything you need to know about utility debt in Ohio: SOL is 6 years, garnishment capped at 25% of disposable earnings, and 2 state-specific protections apply.

6 years

SOL (open/revolving accounts)

$800

Avg utility debt

25% of disposable earnings

Garnishment cap

How to Dispute Utility Debt in Ohio

File complaint with state Public Utility Commission

Request billing audit and meter verification

Apply for utility assistance programs (LIHEAP)

Dispute estimated vs actual billing

Challenge reconnection fees if disconnect was improper

Ohio State Law

Ohio Consumer Sales Practices Act

File complaints: AG Consumer Protection

Relevant Federal Laws

FDCPA (15 USC 1692)
FCRA (15 USC 1681)
FTC Act 5
CFPB Reg F

Ohio Consumer Protections

CSPA provides additional remedies

8-year SOL on written contracts (longer than most)

Utility Debt Tips for Ohio Residents

Utilities must offer payment plans in most states

Estimated billing can be challenged with actual meter reads

Many states ban winter disconnection for heat

Dispute Utility Debt in Ohio

DebtShield generates AI dispute letters that cite Ohio law (Ohio Consumer Sales Practices Act) and federal FDCPA protections.

Generate Ohio Utility Debt Dispute Letter