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List of collection agencies in Utah.
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Debt Collection Laws in Utah
- Fair Debt Collection Practices Act (FDCPA): Like all states, Utah is subject to the federal Fair Debt Collection Practices Act. The FDCPA applies to third-party debt collectors and prohibits them from using deceptive, abusive, or unfair practices when collecting a debt.
- Utah Consumer Sales Practices Act: Utah does not have a separate fair debt collection law like some states, but the Utah Consumer Sales Practices Act contains provisions regarding debt collection. It prohibits deceptive and unconscionable acts by creditors and third-party collectors in consumer transactions.
- Statute of Limitations: As of 2021, the statute of limitations for written contracts in Utah is 6 years, and for open accounts (such as credit cards) and oral contracts, it is 4 years. Once this period has passed, debt collectors cannot sue to collect the debt. Keep in mind that acknowledging the debt or making a payment can restart the statute of limitations.
- Wage Garnishment: In Utah, if a creditor obtains a judgment against a debtor, they may be able to garnish wages. Federal law limits garnishment to the lesser of 25% of disposable earnings or the amount by which weekly disposable earnings exceed 30 times the federal minimum wage, and Utah generally follows these limits.
- Bank Account Levies and Property Liens: After obtaining a judgment, a creditor may seek to levy a debtor’s bank account or put a lien on property. Utah law provides certain exemptions that may protect a portion of the debtor’s assets.
- Communication with Debt Collectors: Under the FDCPA, debt collectors are subject to restrictions on their communication practices. For example, they cannot contact debtors at inconvenient times, harass them, or communicate with third parties about the debtor’s debt without permission.
- Exemptions: Utah law provides various exemptions to protect a debtor’s property from being seized to pay a judgment. This includes exemptions for homesteads, personal property, wages, and certain types of income such as social security and retirement benefits.
- Licensing and Bonding: As of 2021, debt collectors operating in Utah are required to be registered and bonded.
Because laws can change, it is important to consult a lawyer or legal aid organization to get the most current information and advice on dealing with debt collectors in Utah.
Collection agencies which are licensed in Utah will be able to collect business debt and medical bills all across Utah, including these cities: Salt Lake City, West Valley City, Provo, West Jordan, Orem, Sandy, Ogden, St. George, Layton, South Jordan, Lehi, Millcreek and Taylorsville.
The friendly and knowledgeable staff knows exactly how to collect money from debtors. They know the exact strategy to be used when recovering for a medical practice, small business, or commercial collections. Proper employee training and continuing education is the key to effective debt collection. Data leaks to unauthorized people can be very damaging, therefore, security cannot be taken lightly. Implementation of the latest cutting-edge technology improves collection results drastically.