State Debt Laws
New Hampshire Debt Collection Laws
Garnishment limits, exemptions, and consumer protections specific to New Hampshire
New Hampshire (NH) - At a Glance
| State Consumer Protection Law | New Hampshire Consumer Protection Act |
| Source | RSA ยง 358-A:1 et seq. |
| Covers Original Creditors? | No - third-party collectors only |
| Max Wage Garnishment | 25% of disposable earnings (federal minimum; may be lower) |
| Bank Levy Exemption | $1,000 in bank |
| Homestead Exemption | $120,000 |
Key Protections in New Hampshire
- FDCPA applies to third-party collectors
- Consumer Protection Act covers deceptive debt collection
- Homestead exemption: $120,000
Wage Garnishment in New Hampshire
After a court judgment, creditors in New Hampshire can garnish up to 25% of your disposable earnings (earnings after legally required deductions). This is the federal cap - New Hampshire follows federal law on this limit.
Exempt from garnishment: Federal benefits (Social Security, SSI, VA benefits) cannot be garnished by private creditors regardless of state law.
File a Complaint in New Hampshire
If a debt collector violates the FDCPA or New Hampshire Consumer Protection Act:
- File with the New Hampshire Attorney General
- File with the CFPB
- Consult a consumer attorney (FDCPA violations = attorney fees paid by collector)
New Hampshire Debt Resources
SoL
New Hampshire Statute of Limitations
Credit card, medical, auto, and personal loan SoL in New Hampshire.
View SoL →Free Tool
SoL Date Calculator
Calculate the exact SoL expiration date for your debt.
Check SoL →FDCPA
Federal Collector Rules
What debt collectors can and can't do under federal law.
Read Guide →