Ohio Debt Collection Laws and Statutes

Below you will find important information on Ohio state debt recovery laws including: Ohio Statutes, Judgments, Garnishments, Interest Rates, and Bad Check Laws.

STATE: OHIO

Interest Rate

  • Legal: 10%
  • Judgment: 10%

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 6
  • Written Contract: 15
  • Sales Contract: (UCC2-725)
  • Domestic Judgment: 21 renew every 5
  • Foreign Judgment: 21 renew every 5

BAD CHECK LAWS (CIVIL PENALTY)

The greater of $200 or three times the amount of check and attorney fees (no maximum).

GENERAL GARNISHMENT EXEMPTIONS

See federal law. Effective 03/30/99 Ohio allows continuing garnishments.

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