Oregon Debt Collection Laws and Statutes

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

STATE: OREGON

Interest Rate

  • Statutory + Judgment: 9% simple interest per annum (unless specified by contract)

STATUTE OF LIMITATIONS (IN YEARS)

  • Open Account: 6
  • Written Contract: 6
  • Sale of Goods: 6 (4 years UCC Transaction)
  • Domestic Judgment: 10 renewable at 10
  • Foreign Judgment: 10

BAD CHECK LAWS (CIVIL PENALTY)

Can recover reasonable attorney fees & statutory damages of three times the amount of the NSF check plus $500 if demand letter is sent to debtor 30 days before suit is filed.

GENERAL GARNISHMENT EXEMPTIONS

75% of disposable earnings or 40 x fed. min. hourly wage.

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