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DebtShield

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RI Debt Laws

Rhode Island Debt Collection Laws

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

10 years

Credit card SOL

10 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Rhode Island Collection Law

RI Deceptive Trade Practices Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Rhode Island

Social Security
Unemployment
Workers' comp
Pension
Veterans' benefits

Key Rhode Island Protections

Very long 10-year SOL for all debt types
First $50 per week of wages exempt

Federal Laws (Apply in Rhode Island)

  • 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 Rhode Island Debt Dispute Letter

DebtShield auto-cites Rhode Island laws + FDCPA