🇺🇸 North America
Debt Recovery in United States
The US market requires state-by-state expertise. DECOL works with FDCPA-compliant partners across all 50 states for both consumer and commercial recovery.
Limitation period
4 years
Typical amicable recovery
21–45 days
Legal procedure
3–12 months
Languages
English
Statute of limitations
Varies by state — typically 3–6 years for written contracts. UCC Article 2 sets a 4-year baseline for goods.
Late payment & interest
Contractual late fees; statutory interest varies by state (typically 6–10%).
Enforcement
State-court money judgments enforced via wage garnishment, bank levies and lien filings where available.
Local practice notes
- FDCPA applies to consumer collections — strict compliance required
- Long-arm jurisdiction varies by state
- UCC filings can be leveraged for secured commercial debts
Active sectors
TechnologyHealthcareManufacturingProfessional services