Outside Texas
State debt collection law varies a lot. The federal rights in the General Playbook and Recognize the Tactic pages apply everywhere, regardless of state — what varies is what additional protections your state layers on top.
Find your state's Attorney General
Rather than a static list that goes stale, this links to NAAG's own live directory — every state, DC, and the territories, each linking to that AG's current official page and complaint process.
California — the Rosenthal Act
California's law is broader than federal law in one important way: it covers original creditors, not just third-party collectors.
Every debt collector, including original creditors collecting their own debt, must comply with most FDCPA provisions in California — not just third-party agencies.
A collector may not contact you after receiving written notice that you're represented by an attorney regarding the debt (unless the attorney doesn't respond, or approves direct contact).
A collector may not sue you over an unresolved debt outside the county where the debt was incurred, where you live now, or where you lived when the debt was incurred.
It's unlawful for a collector to send a communication that simulates legal or judicial process, or falsely appears to be authorized by a government agency or attorney.
4-year statute of limitations on a written contract in California.
New York
Prohibits a wide range of tactics: impersonating law enforcement or a government agency, collecting unauthorized fees, falsely disclosing credit-worthiness info, disclosing a claim to your employer before judgment, failing to disclose a debt is disputed, abusive-frequency contact, threatening actions not actually taken, asserting rights known not to exist, simulating legal process, and more.
3-year statute of limitations on consumer credit transactions — and unlike some states, a payment, promise, or acknowledgment on an already-expired debt does not revive or extend the limitations period (effective April 7, 2022).
Every other state
This site has only independently verified statutes for Texas, California, and New York. If you're elsewhere, start with your state Attorney General's office (link above) — many have their own consumer protection division and complaint process, and can point you to state-specific rules this site doesn't cover.