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DebtShield

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OR Debt Laws

Oregon Debt Collection Laws

Know your rights in Oregon. 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 or

Garnishment limit

Oregon Collection Law

Oregon Unlawful Debt Collection Practices Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Oregon

Social Security
Unemployment
Workers' comp
Pension
Disability

Key Oregon Protections

State act applies to original creditors
$40,000 homestead exemption (single)

Federal Laws (Apply in Oregon)

  • 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 Oregon Debt Dispute Letter

DebtShield auto-cites Oregon laws + FDCPA