An Act relative to fairness in debt collection

HD 2405, "An Act relative to fairness in debt collection," protects consumers facing debt collection by setting clear limits on wage garnishment. It exempts 90% of a consumer's gross weekly wages (or 65 times the state/federal minimum wage) from attachment for consumer debt, with an additional hardship exemption available through a court process. The bill also prohibits employers from firing or refusing to hire workers due to garnishments and sets a 5-year statute of limitations for debt collection actions. These provisions apply to most personal debts (like credit cards or medical bills) but exclude mortgages, homeowner fees, and child support.