North Dakota Debt Collection Law at a Glance
Federal Protection
15 USC §1692g — Fair Debt Collection Practices Act. 30-day validation window from first written contact. Collector must cease collection upon written dispute.
State Supplement
N.D. Cent. Code §13-05-01 et seq. — North Dakota Collection Agency Act
Damages available: Actual damages; AG enforcement with license revocation
Collector Licensing
Debt collectors in North Dakota must be licensed under N.D. Cent. Code §13-05-02. Unlicensed collection activity may constitute an additional violation.
Statute of Limitations
- Credit card / revolving: 6 years
- Written contracts: 6 years
- Oral contracts: 6 years
- Promissory notes: 6 years
- (N.D. Cent. Code §28-01-16)
Where to File Complaints
- North Dakota Attorney General Consumer Protection Division
- Consumer Financial Protection Bureau (CFPB)
- Federal Trade Commission (FTC)
Small claims limit: $15,000
Additional Protections
- Collection agencies must be licensed by the ND Department of Financial Institutions
- Prohibited from using threats, harassment, or deceptive practices
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North Dakota Debt Validation FAQ
What is the FDCPA 30-day validation period for debt collectors contacting me in North Dakota?
Under the Fair Debt Collection Practices Act (15 USC §1692g), you have 30 calendar days from the date a debt collector first contacts you in writing to request validation of the debt. During this time, the collector must cease collection activity if you dispute the debt in writing. This federal right applies in all 50 states including North Dakota.
Does North Dakota have its own debt collection protection law beyond the FDCPA?
Yes. North Dakota provides additional consumer protections under N.D. Cent. Code §13-05-01 et seq. (North Dakota Collection Agency Act). Violations may result in: Actual damages; AG enforcement with license revocation.
Are debt collectors required to be licensed in North Dakota?
Yes. Under N.D. Cent. Code §13-05-02, debt collectors operating in North Dakota must be licensed. If a collector contacting you is not properly licensed, this may constitute an additional violation that strengthens your dispute.
What is the statute of limitations on debt in North Dakota?
In North Dakota, the statute of limitations varies by debt type: credit card/revolving debt is 6 years, written contracts are 6 years, and oral contracts are 6 years (N.D. Cent. Code §28-01-16). If your debt is past the statute of limitations, a collector cannot legally sue you to collect it, and threatening legal action on time-barred debt may violate the FDCPA.
What should I include in a debt validation letter sent from North Dakota?
Your debt validation letter should: (1) reference the FDCPA (15 USC §1692g), (2) demand verification of the debt amount, (3) request proof of the collector's authority to collect, (4) ask for the original creditor's name and address, (5) request a copy of the original agreement, and (6) cite any applicable North Dakota state protections. Send via certified mail, return receipt requested.
Can I sue a debt collector who violates my rights in North Dakota?
Yes. Under the FDCPA (15 USC §1692k), you can sue for up to $1,000 in statutory damages plus actual damages and attorney fees. Under North Dakota law, you may also seek: Actual damages; AG enforcement with license revocation. You can file in North Dakota small claims court for claims up to $15,000.
Debt Validation Letters by State
Select your state to see your specific protections.