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Collection Agencies in Ohio and Laws

Directory >> USA >> Ohio

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List of collection agencies in Ohio

A complete list of federal laws to be followed by all collection agencies in USA are listed here: Debt collection laws 

Ohio Debt Collection Laws Summary

  • The Ohio Fair Debt Collection Practices Act and the federal FDCPA laws were enacted to protect consumers from unfair, deceptive and harassing debt collection practices in Ohio.

  • In Ohio, once a debtor gets served with court papers, he has 28 days to answer or respond to the complaint.

  • Ohio has a six-year statute of limitations on debts. If the debtor insists on verification of debt, then all collection activity must stop till all supporting documents are presented. 

  •  Ohio limits wage garnishments to 25% of the debtor’s disposable wages in most cases.

  • Debt collectors may report the debt to credit reporting companies or sue a debtor in court.

Ohio Debt Statistics

  • Average Student Loan in Ohio is about $29,700
  • The average mortgage debt in Ohio is $122K in 2018.
  • The average credit card debt in Ohio as of 2019 is around $5,843
  • Ohioans had an average credit score of  678 in 2018

Ohio Geographical Stats

  • Population in Ohio : 11.5  million (year 2018)
  • Number of millionaires: 243K 

Ohio debt collection agency can collect all across the state including these cities Columbus, Cleveland, Cincinnati, Toledo, Akron, Dayton, Canton and Youngstown.