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DebtShield

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WY Debt Laws

Wyoming Debt Collection Laws

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

8 years

Credit card SOL

8 years

Written contract SOL

25% of disposable earnings

Garnishment limit

Wyoming Collection Law

No specific state act — FDCPA applies

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Wyoming

Social Security
Unemployment
Workers' comp
Pension

Key Wyoming Protections

$40,000 homestead exemption
8-year SOL for all debt types

Federal Laws (Apply in Wyoming)

  • 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 Wyoming Debt Dispute Letter

DebtShield auto-cites Wyoming laws + FDCPA