Debt Collection in Ohio: Understanding the Laws and Your Rights

Guy Benhanan
March 14, 2023

Debt collection is a difficult and often overwhelming experience for many people, particularly those in Ohio. The debt collection process can be stressful, time-consuming, and confusing, but it is critical that you understand your rights and options. We'll look at debt collection in Ohio, the laws that govern it, and what you can do to protect yourself in this article.

Debt Collection in Ohio: An Overview

Debt Collection in Ohio

Debt collection is an essential aspect of financial management and involves recovering unpaid debts from delinquent borrowers. In Ohio, debt collection encompasses a wide range of debt types, including credit card debt, medical bills, personal loans, and other types of debt.

To recover these unpaid debts, debt collectors may utilize various tactics, such as making phone calls, sending letters, or pursuing legal action. It is crucial to understand that there are state and federal laws governing debt collection practices to ensure that consumers are protected from harassment or abuse by debt collectors.

In Ohio, the Fair Debt Collection Practices Act outlines the rules and regulations governing debt collection agencies and sets out specific guidelines for debt collectors to follow. If you are facing debt collection in Ohio, it is important to understand your rights and options and to seek professional assistance from an experienced debt collection attorney.

Ohio Debt Collection Laws

ohio debt collection laws

Ohio has several laws that regulate debt collection practices to protect consumers from harassment, abuse, and unfair treatment. For example, The Ohio Consumer Sales Practices Act (CSPA) and the Fair Debt Collection Practices Act (FDCPA) are two significant laws that attempt to protect consumers from abusive debt collectors here.

I. Ohio Consumer Sales Practices Act (CSPA)

The Ohio CSPA law provides protection to consumers against deceptive, unfair, and unconscionable acts or practices by suppliers in consumer transactions.

It covers any transactions that involve personal, family, or household purposes or services, including payments for debts incurred by consumers.‍

Under the Ohio CSPA, debt collectors are prohibited from due payments using deceptive, unfair, or unconscionable tactics, such as:

  • Threatening to take legal action they cannot take
  • Calling before 8 a.m. or after 9 p.m.
  • Contacting you at work after you tell them not to
  • Using obscene or abusive language
  • Falsely representing themselves as an attorney or government official

Consumers who believe that their rights have been violated under the Ohio CSPA should seek legal assistance from experienced attorneys who can help them understand their rights and fight for their interests.

With the help of legal professionals, consumers can have more resources to protect themselves from unfair and deceptive practices and hold debt collectors accountable for their actions.

II. The Fair Debt Collection Practices Act (FDCPA)

The FDCPA is a federal law that applies to all states, including Ohio. It provides additional protection to consumers against abusive and deceptive debt collection practices by various agencies and debt collectors.

Debt collectors must follow the rules outlined in the FDCPA when attempting to collect a debt.

‍Under the FDCPA, both debtors and collectors are prohibited from:

  • Contacting you at inconvenient times or places
  • Using deceptive or misleading statements to collect a debt
  • Threatening to take actions they cannot legally take
  • Contacting third parties about your debt
  • Falsely representing themselves as an attorney or government official

The FDCPA is designed to protect consumers from harassment, threats, and other forms of abusive behavior by debt collectors and provides legal remedies for consumers whose rights have been violated.

If you believe that your rights have been violated under the FDCPA, it is important to seek the assistance of experienced legal professionals who can help you understand your rights and take appropriate action to protect your interests.

III. What to Do if You're Being Harassed by Debt Collectors in Ohio

If you're being harassed by debt collectors in Ohio, there are several steps you can take to protect yourself. First, you can ask the creditor or debt collector to stop contacting you. You can do this by sending a form or letter to the credit card company or debt collector requesting that they stop all communication with you.

You can also dispute the debt if you believe it's not yours or the amount owed is incorrect. You have the right to request validation of the debt, and the debt collector must provide it to you. If the debt collector continues to harass you, you can file a complaint with the Ohio Attorney General's Office, the Federal Trade Commission (FTC), or the Consumer Financial Protection Bureau (CFPB). You may also want to consider contacting your creditor, a debt or collection agency, or an attorney to discuss your options.


finance and debt collection process

Debt collection in Ohio can be a daunting experience, but it's important to understand your rights and options before filing it. Debt collectors are required to follow strict rules and regulations when attempting to collect a debt, and you have the right to protect yourself against harassment and abuse. By understanding the laws that govern debt collection in Ohio and taking action if you're being harassed, you can navigate the debt collection process with confidence.

Surprising Facts About Credit Collection in Ohio

If you are one of those who are facing credit collection in Ohio, you may want to know about your rights and what to expect during the collection process. But before that, you need to know what is credit collection, how it works in Ohio, and its statute of limitations.

Credit collection is the process of creditors pursuing unpaid debts from individuals or businesses. In Ohio, creditors can hire a debt collector or file a lawsuit to collect outstanding debts. The statute of limitations for debt collection lawsuits in Ohio is six years from the date of the last payment or proof of activity on the account.

Now, here are facts about credit collection in Ohio that most people don't know:

Can creditors garnish wages in Ohio?

Yes, creditors can garnish wages in Ohio, but only up to 25% of the debtor's disposable income.

Can a debt collector threaten to take legal action and charge me fees?

 A debt collector can threaten legal action, but cannot threaten actions that they cannot legally take. They can only charge fees for services that they claim are authorized by the company or original agreement or by law, such as court costs or attorney fees.

Can a debt collector add interest to the debt?

A debt collector can add interest to the debt only if the original agreement or state law allows it.

Can a debt collector contact me after I file for bankruptcy?

Once you file for bankruptcy, the debt collector must stop contacting contact you about the debts included in filing your bankruptcy case.

Can a debt collector take my Social Security or disability benefits and tax refund?

 A debt collector cannot take Social Security or disability benefits to pay off debts, except for certain federal debts. They can intercept your tax refund if you still owe money on certain federal debts, such as unpaid taxes or student loans.

Can a debt collector repossess my car, garnish my bank account, and seize my property?

If you default on a car loan, the lender company can repossess the car without a court order but must follow specific rules. Yes, a debt collector can garnish your bank account in Ohio but must follow specific procedures. However, a debt collector cannot seize your property without a court order, and even then, some types of property are exempt from seizure.

Can a debt collector take legal action against me if I'm on welfare, unemployed, or a student?

A debt collector can charge a lawsuit if you're on welfare, but cannot take your welfare benefits to pay off the debt. They can also charge you if you're unemployed, but cannot take your unemployment benefits to pay off the debt. Debt collectors can charge you if you're disabled, but the company cannot take your disability benefits to make money to pay off the debt.

Can a debt collector take legal action against me if I'm retired, in a nursing home, in prison, or deceased?

A debt collector can sue you if you claim you're retired, but cannot take your retirement benefits to pay off the debt. They can also sue you if you're in a nursing home, but cannot take your Medicaid benefits to pay off the debt.

A debt collector can sue you if you owe money while you're in prison, but the collector cannot take your prison wages or other assets to pay off the debt. They cannot sue you if you're deceased but can try to collect the debt from your estate.

Can a debt collector take legal action if I'm not a U.S. citizen or if I'm in another state?

A debt collector agency can file a case if they notice you're not a U.S. citizen but must comply with the same rules that apply to U.S. citizens. They can also charge lawsuits if you're in another state but must comply with the laws of the state where the debt was incurred.

Can I negotiate with debt collectors in Ohio?

You can negotiate with a debt collector in Ohio to try to settle the debt for less money than the judgment and the full amount.