Services Available in Rhode Island
Debt Collection Agencies
Third-party agencies that collect unpaid debts on behalf of creditors. They typi...
20-40% of collected amount
Contingency Fee Lawyers
Attorneys who take cases on a contingency basis - they only get paid if you win....
33-40% of settlement/judgment
Bail Bond Recovery
Licensed bail enforcement agents (bounty hunters) who locate and return fugitive...
10-20% of the bail bond amount
Asset Recovery Services
Specialists in locating and recovering lost, stolen, or abandoned assets includi...
15-35% of recovered assets
Medical Billing Recovery
Specialists who audit medical bills for errors and recover overcharges from hosp...
25-35% of recovered overcharges
Judgment Enforcement
Specialists who collect on court judgments that debtors refuse to pay. They use ...
30-50% of collected judgment
Skip Tracing Services
Investigators who locate people who have 'skipped' - fled without paying debts, ...
Flat fee $50-500 per locate, or percentage if bundled with collectionYour Rights in Rhode Island
Rhode Island Fair Debt Collection Practices Act - RI General Laws 19-14.9
- 10-year statute of limitations (one of highest in US)
- State FDCPA equivalent provides private remedies
- Very strong homestead exemption ($500,000)
- Strong wage garnishment protections
Statute of Limitations in Rhode Island
After this period, collectors cannot sue you to collect the debt.
| Debt Type | Time Limit |
|---|---|
| Credit Card | 10 years |
| Medical Bills | 10 years |
| Auto Loan | 10 years |
| Written Contract | 10 years |
| Oral Contract | 10 years |
Wage Garnishment Rules in Rhode Island
Up to 25% of disposable income
Featured Professionals in Rhode Island
Midland Credit Management
✓ VerifiedOne of the largest debt purchasers and collectors in the United States, handling billions in consume...
View ProfilePortfolio Recovery Associates
✓ VerifiedMajor debt purchaser and collector with operations across the US and internationally. Specializes in...
View ProfileAmerican Profit Recovery
✓ VerifiedProfessional collection agency helping small businesses and healthcare providers recover outstanding...
View Profile