{"meta":{"key":"d030--main","task":"D030","title":"Research Report — State Debt Laws, Northeast","parent_title":"State debt laws Northeast","edition":"initial","path":"/research/d030--main/","kind":"initial","category":"subject","role":"foundation","area_numbers":[66],"groups":["collections"],"date":"2026-10-22","tables":5,"claims":47,"sources":58,"review_status":"revise","review_complete":true,"sha256":"662d3ac22018732e3a6049a383de31dc19130a5adb14804f1b18b8495360101e","headings":["Scope, method, and high-level findings","Federal and jurisdictional boundaries that apply across the state analysis","Official-source matrix and state-by-state findings","State-specific operative notes","Worked examples, comparisons, and practical research applications","Maine settlement-fee example","Rhode Island settlement-plan example","New York wage-execution example","Maine and New Hampshire homestead comparison","Federal insolvency-tax example after settlement","Limitation-calendar example and its limits","Meaningful cross-state comparisons","Source register","Material claim register","Coverage, publication holds, and researcher self-check","Coverage table","Publication holds and open questions","Article and tool opportunities approved by current evidence","Researcher self-check"],"generation_provenance":{"actual_route":null,"actual_model":null,"actual_mode":null,"provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D030/initial","facets":{"geography":["us","us-ct","us-me","us-ma","us-nh","us-nj","us-ny","us-pa","us-ri","us-vt","us-federal"],"debt_type":[],"stage":[],"subject":[]},"scope":"Assigned jurisdictions: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont, New Jersey, New York, Pennsylvania. For EVERY assigned state produce an official-source matrix for debt-relief licensing/fee limits, collection rules, limitation/revival, judgment/wage/bank exemptions, homestead/secured debt and court self-help. Each cell needs a verified answer and exact primary citation or an explicit unresolved reason. Do not use one national summary as state verification. Calendar/threshold examples must have state/date/debt context. Preserve statutory section identifiers.","pending_corrections":0},"markdown":"# D030 Research Report — State Debt Laws, Northeast\n\n**Assignment:** SettleADebt.com shared research library assignment D030\n\n**Area:** A066 — state/local/territorial/tribal debt-law rules\n\n**Assigned jurisdictions:** Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, Vermont, New Jersey, New York, Pennsylvania\n\n**Baseline and check date:** October 22, 2026, America/Los_Angeles\n\n**Research character:** reusable public legal research, not advice about any particular borrower or debt\n\n**Status vocabulary:** **Verified** means the operative proposition was supported by current official material read in this investigation; **Partial** means part of the proposition was verified but a material detail was not; **Unresolved** means publication should stop on that point until identified primary authority is opened and checked; **Excluded** means outside this D030 Northeast assignment or deliberately not used as evidence.\n\n## Scope, method, and high-level findings\n\nThe most important conclusion is that these nine states are **not interchangeable debt-settlement markets**. Some expressly license debt-adjustment or debt-settlement activity and impose consumer fee formulas; some regulate only particular forms of debt management; New Jersey currently states that only a nonprofit corporation can qualify for a debt-adjuster license; and New York has active legislation that would expressly bring debt-settlement/debt-relief companies into the budget-planner regime, which is significant precisely because those bills are **proposals rather than current law** as of the October 22, 2026 baseline. 1\n\nSeveral especially publication-worthy rules emerged. Maine caps a settlement intermediary's fee at 15% of the amount by which each settled debt is reduced, on top of a maximum $75 initial fee. Rhode Island has a much more elaborate statutory settlement-fee formula, including a setup-fee ceiling, a recurring-fee ceiling, and settlement compensation tied to the amount of principal saved. New Hampshire requires debt-adjustment licensing and currently charges a $500 nonrefundable application fee for a principal office and $500 for each branch. Vermont expressly defines debt adjustment broadly enough to include negotiating creditor concessions. New Jersey's current DOBI FAQ says only a nonprofit corporation can be licensed as a debt adjuster. 1\n\nLimitation and revival rules also differ materially. Maine bars a debt collector from commencing a collection action more than six years after the consumer's last activity unless a shorter Maine limitation applies, and the statute specifically addresses time-barred debt. New Hampshire's general personal-action period is three years while actions on judgments and certain sealed obligations have a twenty-year period. New York gives consumer-credit defendants a three-year limitations period and expressly provides that payment, oral or written affirmation, or other activity after expiration does **not** revive or extend that expired period. 2\n\nExemptions can change settlement leverage dramatically. Maine protects up to $80,000 of qualifying residence equity, increases that to $160,000 where minor dependents have their principal residence with the debtor, and now provides a special principal-residence exemption from attachment and execution based on qualifying medical debt. New Hampshire's homestead statute provides a $400,000 exemption for one person and imposes a $550,000 aggregate limit where multiple persons claim interests, with extraordinary protection for certain debts directly resulting from terminal or catastrophic illness or injury. Rhode Island provides an automatic $500,000 homestead but expressly excludes several important categories, including voluntary mortgage liens and certain debts owed to regulated financial institutions. 3\n\nThere are equally important limits on what can responsibly be published from this research. I did **not** convert proposed bills into law; did **not** use PDF material as substantive evidence where the PDF had not been rendered through the required screenshot process; did **not** infer a universal debt-settlement percentage, completion timeline, credit-score effect, tax exclusion, guarantor release, or creditor willingness to settle; and did **not** treat regulator licensing pages as substitutes for primary statutes when the question required the statutory rule. Those gaps are marked below rather than silently filled.\n\nNo issuer-specific contract proposition is made in this report, so no creditor card agreement or loan agreement was required. Any future article saying a named creditor allows settlement, requires arbitration, waives deficiency, applies a particular APR after default, or releases a guarantor would require the actual governing agreement for the relevant product/version and cannot be derived from these state statutes.\n\n## Federal and jurisdictional boundaries that apply across the state analysis\n\n**Debt-relief fee timing is not determined solely by a state's numerical fee cap.** For debt-relief services subject to the federal Telemarketing Sales Rule, 16 C.F.R. §310.4(a)(5) prohibits requesting or receiving the debt-relief fee until the rule's prerequisites are satisfied. The rule also requires that a customer using a qualifying dedicated account be able to withdraw without penalty and receive remaining funds, other than properly earned fees, within seven business days after a withdrawal request. A state statute can therefore determine how much a provider may charge while federal law separately controls when a covered telemarketed provider may take it. **D030-C001.** 4\n\n**Debt validity should be separated from inability to pay.** Regulation F, 12 C.F.R. §1006.34, requires covered debt collectors to provide validation information either in the initial communication or generally within five days afterward; §1006.38 protects the validation period from communications that overshadow the consumer's dispute and original-creditor rights. A valid defense can concern identity, ownership, amount, limitations, payment, bankruptcy, or service—not merely lack of funds. New York's court self-help material, for example, separately identifies defenses such as limitations, identity theft, mistaken identity, payment, disputed amount, bankruptcy, and lack of a business relationship. **D030-C002.** 5\n\n**Cancellation-of-debt tax is a separate federal analysis.** IRS Publication 4681 explains that canceled debt can be income but that exclusions such as bankruptcy and insolvency may apply; Form 982 is used in appropriate circumstances to report exclusions under Internal Revenue Code §108. A lender's issuance or nonissuance of a Form 1099-C is not, by itself, a safe substitute for analyzing the tax rule. IRS states that applicable financial entities generally file Form 1099-C when they cancel $600 or more of covered debt, but that reporting threshold is not a universal rule that the first $599 of canceled debt is tax-free. **D030-C003.** 6\n\n**Collateral and personal liability are different.** The U.S. Courts' Chapter 7 materials expressly warn that secured creditors may retain rights against collateral even after a bankruptcy discharge eliminates personal liability on a dischargeable debt. Consequently, a debt-relief article should never imply that settling or discharging an individual's personal obligation automatically extinguishes a mortgage, vehicle lien, security interest, or other lien. **D030-C004.** 7\n\n**Guarantors and co-debtors need their own analysis.** Chapter 13 contains a federal co-debtor stay for qualifying consumer debts under 11 U.S.C. §1301, but that is a bankruptcy protection with conditions, not a general rule that settlement of the principal debtor releases a co-signer or guarantor. No generic nonbankruptcy guarantor-release rule was verified for these nine states in D030; articles should therefore condition any guarantor statement on the contract, settlement release, and applicable surety law. **D030-C005.** 8\n\n**Business debt is not automatically covered.** Many of the rules below are expressly framed around a consumer, natural person, or personal/family/household obligation. Federal FDCPA/Regulation F and state consumer-credit or debt-adjustment statutes should not be mechanically applied to corporate, commercial, or business-purpose obligations. The Pennsylvania regulator, for example, defines the licensed debt-settlement service it administers around an individual's unsecured debt for personal, family, or household expenses; New York's special three-year provision is expressly for a “consumer credit transaction.” **D030-C006.** 9\n\n**Local, territorial, and tribal boundary hold.** D030 was assigned the nine Northeast jurisdictions above, not the other 41 states or D.C. Municipal licensing can add another layer—New York legislative materials, for example, discuss existing municipal collector licensing while proposing statewide licensing—but municipal-code verification was not completed here and should not be generalized from a sponsor memorandum. No tribal code, tribal-court rule, tribal-state compact, territorial code, or tribe-specific sovereign-immunity authority was researched in this D030 subset. Therefore no statement in this report should be read as establishing state-law jurisdiction over a tribe, tribal enterprise, tribal member, reservation transaction, or territorial transaction. **D030-C007; publication hold.** 10\n\n## Official-source matrix and state-by-state findings\n\nThe matrix is deliberately strict: where a current dollar amount, revival doctrine, local overlay, or fee rule was not verified from suitable official authority, the cell says so.\n\n| Jurisdiction | Debt-relief licensing and consumer fees | Collection rules | Limitation / revival | Judgment, wage, bank exemptions | Homestead / secured debt | Court self-help / remedies | Interest status |\n| --- | --- | --- | --- | --- | --- | --- | --- |\n| **Connecticut** | **Partial.** Chapter 669 contains the debt-adjuster regime; §36a-658 is the licensing provision. Search/open extraction confirmed the current chapter and licensing structure, but the exact current consumer-facing fee ceiling was not sufficiently extracted to publish. **D030-C010.** 11 | **Verified in part.** Conn. Gen. Stat. §§36a-645–647 prohibit abusive, harassing, fraudulent, deceptive, or misleading consumer-collection practices within their scope. **D030-C011.** 12 | **Partial.** Chapter 926 contains Connecticut's limitation provisions and §52-598 governing execution/action involving judgments. Exact consumer-contract accrual and revival consequences were not fully opened, so no universal “X years from charge-off” statement is approved. **D030-C012.** 13 | **Unresolved for publication-level dollar formulas.** §§52-352b and 52-361a are the relevant exemption/wage authorities, but current bank and wage figures were not successfully opened in this run. | **Partial.** Connecticut uses court foreclosure proceedings, but the current mediation/strict-foreclosure/sale rules and repo statute were not sufficiently opened for a full procedural claim. | **Unresolved.** No Connecticut Judicial Branch self-help page was successfully opened to a publication standard. | **Unresolved.** §§37-3a/37-3b were identified as relevant but not opened and verified. |\n| **Maine** | **Verified.** Registration under 32 M.R.S. §6173; current statute states application fee may not exceed $800, re-registration fee may not exceed $600, with a $100 late re-registration amount, plus NMLS processing charges. §6174-A caps a one-time consumer setup fee at $75; monthly distribution-plan fee at $40; settlement-intermediary compensation at 15% of the amount each debt is reduced. **D030-C013–C014.** 14 | **Verified.** §11012 controls communications; absent contrary knowledge, 8 a.m.–9 p.m. is treated as convenient, and attorney/workplace/third-party rules apply. §11013 bars knowingly or reasonably knowingly initiating time-barred collection actions. **D030-C015.** 15 | **Verified for debt collectors.** §11013(8) bars a collection action more than six years after the consumer's last activity unless Maine provides a shorter period; the statute further addresses nonrevival after expiration. **D030-C016.** 16 | **Partial.** §4422 was opened and verifies substantial property exemptions; the precise current wage-turnover formula under Title 14 was not reopened, so it is held rather than inferred. **D030-C017.** 17 | **Verified for homestead; foreclosure procedure partial.** §4422 protects $80,000 of residence equity generally, $160,000 where minor dependents reside with the debtor, subject to stated joint-interest rules; qualifying medical debt gets special principal-residence protection. Maine foreclosure-diversion PDFs were discovered but not used because they were not screenshot-rendered. **D030-C018.** 17 | **Partial.** Court foreclosure-diversion material was found but excluded from evidentiary use for the reason above. | **Unresolved.** §1602-C was discovered in PDF/search material but not used because the underlying PDF was not screenshot-verified. |\n| **Massachusetts** | **Unresolved as a specific debt-settlement license/fee regime.** The Division of Banks clearly licenses debt collectors, but that is not enough to prove that a negotiation-only debt-settlement provider has the same license. No current primary Massachusetts statute was verified establishing a stand-alone for-profit debt-settlement license and fee cap comparable to Maine/RI. **D030-C019.** 18 | **Verified.** M.G.L. c.93, §49 prohibits creditors, creditor attorneys, and assignees collecting natural-person personal/family/household debts from using unfair, deceptive, or unreasonable collection methods; 940 CMR 7 supplies AG collection rules. **D030-C020.** 19 | **Verified in official court guidance; primary revival doctrine partial.** Massachusetts' official debt-collection law guide states that consumer-related debt generally has a six-year limitations period and points to M.G.L. c.260, §2. Acknowledgment/new-promise revival details were not independently opened. **D030-C021.** 20 | **Partial.** M.G.L. c.246, §§28 et seq. are relevant to attachment exemptions, but current figures were not opened to the required primary-source standard. | **Partial.** M.G.L. c.188 is the homestead statute; official court/legal guidance was located, but current indexed declared-homestead figures were not verified here. The secured-foreclosure rules in c.244 likewise require a dedicated current pass before publication of timelines. 21 | **Verified operational source.** Mass.gov supplies debt-collection court resources; small claims filing fees vary with claim amount and the official page reports a $40–$150 filing-fee range. **D030-C022.** 22 | **Unresolved.** Do not publish a flat Massachusetts judgment-rate number from D030. |\n| **New Hampshire** | **Verified as to licensing/application cost.** RSA ch.399-D governs debt adjustment; current §399-D:4 requires a $500 nonrefundable application fee for the principal office and $500 for each branch. Exact consumer settlement-fee ceilings under current §399-D:16 were not extracted sufficiently to publish. **D030-C023.** 23 | **Partial.** RSA ch.358-C is the state unfair debt-collection framework identified for follow-up, but operative provisions were not opened in this run; federal Regulation F remains separately applicable where its definitions are met. | **Verified.** RSA 508:4 supplies a three-year period for general personal actions; RSA 508:5 supplies a twenty-year period for debt on judgments, recognizances, and contracts under seal; mortgage-note treatment has a specific rule in §508:6. **D030-C024.** 24 | **Verified wage rule.** RSA 512:21 includes trustee-process wage exemptions and, for judgment-based wage process, protects the statutory amount tied to fifty times the federal minimum hourly wage per week. **D030-C025.** 25 | **Verified homestead.** RSA 480:1 provides a $400,000 individual homestead; total claimed homesteads in qualifying multi-interest situations are limited to $550,000, with special illness/injury language. Execution procedures in ch.529 require attention to the written homestead claim before sale. **D030-C026.** 26 | **Verified.** NH Judicial Branch says small claims are available for claims up to $10,000; using small claims waives any amount above the jurisdictional maximum. **D030-C027.** 27 | **Unresolved.** Current statutory judgment-interest formula not opened. |\n| **Rhode Island** | **Verified.** DBR identifies debt collectors and debt-management companies among its licensees. Under R.I. Gen. Laws §19-14.8-23, a covered provider cannot charge before an agreement; a traditional plan may charge up to $50 setup and $10 per remaining creditor per month capped at $50 monthly. Settlement plans have additional statutory ceilings, including settlement compensation tied to savings. **D030-C028–C029.** 28 | **Partial.** State licensing is verified; the complete operative Rhode Island collection-conduct chapter was not opened line by line, so no broader state-FDCPA summary is approved beyond DBR's licensing jurisdiction. | **Unresolved.** R.I. Gen. Laws ch.9-1 was identified as the governing limitation chapter, but the exact debt/judgment revival treatment was not sufficiently opened for publication. | **Verified property exemptions; wage formula partial.** §9-26-4 includes a $2,000 tools exemption, $9,600 household-property category, $12,000 aggregate motor-vehicle category, $2,000 jewelry category and $500 bank-deposit category; exact interaction of its wage language with federal law requires a separate wage calculation. **D030-C030.** 29 | **Verified.** §9-26-4.1 provides an automatic $500,000 homestead, but excludes categories including taxes, certain pre-acquisition debt, purchase debt, support, Medicaid reimbursement, debts to specified regulated institutions, mortgages/voluntary liens, and mechanics' liens. **D030-C031.** 30 | **Partial.** General court rules were located only as a PDF and were not relied on because no screenshot rendering was performed. | **Verified for the cited civil-judgment provision.** §9-21-10 specifies 12% prejudgment and 12% postjudgment interest in the covered pecuniary-damages setting, subject to its contractual and statutory qualifications. It is not safe to describe that as the rate for every debt claim. **D030-C032.** 31 |\n| **Vermont** | **Verified.** 8 V.S.A. ch.83 defines “debt adjustment” to include negotiating or controlling distributions and acting as an intermediary to obtain creditor concessions. Current fee schedule shows $250 license fee plus $500 application/investigation fee; DFR describes this as a $750 initial application cost. A $50,000 or greater bond may apply under §2755. Exact consumer fee ceiling was not sufficiently extracted. **D030-C033.** 32 | **Partial.** Chapter 83's provider conduct rules are verified—including disclosure and prohibited-activity provisions—but a complete state debt-collector conduct rule separate from debt adjusters was not opened. 33 | **Verified operationally.** Vermont Judiciary states a judgment is good for eight years and a new small-claims action may be filed before the eight years expire to renew it. The general six-year civil limitation under 12 V.S.A. §511 was identified, but the primary text was not re-opened here. **D030-C034.** 34 | **Partial.** Judiciary provides exemption-disclosure forms and explains that exempt income/property can block collection even though it does not prevent entry of the judgment; exact current wage and bank dollar formulas need primary §2740/§3170 verification. **D030-C035.** 35 | **Partial.** Vermont homestead and foreclosure provisions were identified but not opened to publication standard. | **Verified.** General small-claims ceiling is $10,000, while Vermont Judiciary says consumer-credit and medical-debt small claims are limited to $5,000. Collection tools include financial-disclosure hearings and execution procedures. **D030-C036.** 34 | **Unresolved.** Current judgment rate not verified. |\n| **New Jersey** | **Verified and unusually restrictive.** DOBI says a debt-adjuster license is required to act for consideration as an intermediary to settle, compound or alter debt terms, or to receive debtor funds for distribution; its current FAQ says **only a nonprofit corporation** can qualify for that license. Exact current consumer fee limits in N.J.A.C. 3:25 were not extracted sufficiently. **D030-C037.** 36 | **Partial.** Debt-adjuster regulation is verified. A comprehensive current New Jersey state collection-conduct rule was not opened; federal FDCPA/Regulation F should not be mislabeled as New Jersey law. | **Unresolved at the required primary-source standard.** N.J.S.A. 2A:14 provisions were located in the official database, but the specific current text for ordinary contract debt and judgment enforcement did not open reliably. No limitation number is approved for publication from D030. 37 | **Partial.** NJ Courts states wage execution is available under specified earnings conditions and identifies a $1,000 personal-property designation in post-judgment collection guidance; exact statutory formula/pinpoint was not successfully opened, so those court instructions should not be converted into a generalized statutory formula yet. **D030-C038.** 38 | **Unresolved for general homestead; foreclosure primary text not opened.** The Fair Foreclosure Act was identified for a dedicated pass, but D030 does not approve a generalized foreclosure deadline from memory. | **Verified operationally.** NJ Courts supplies a post-judgment “Collecting Money in a Civil Case” self-help pathway covering wages, bank accounts and property. **D030-C039.** 38 | **Unresolved.** NJ postjudgment interest is rule-driven and should be date-specific; no current Rule 4:42-11 calculation was verified. |\n| **New York** | **Partial and legally important.** Current law licenses “budget planners” under the existing banking-law framework, but 2025–26 S3224/A1427 remain active proposals expressly seeking to clarify/expand treatment of debt-settlement/debt-relief companies. They are **not current law** at the Oct. 22, 2026 baseline. A negotiation-only debt-settlement provider should therefore not be declared licensed or exempt without analyzing the existing definition and business model. **D030-C040.** 39 | **Verified for DFS third-party rules; statewide licensing proposal not enacted in cited source.** DFS administers 23 NYCRR 1 for covered third-party collection activity, while the 2025–26 statewide consumer-debt-collector licensing bill was still marked active. **D030-C041.** 40 | **Verified.** CPLR 214-i gives a three-year period for covered consumer-credit actions and expressly says that once the period expires, later payment, oral/written affirmation, or other activity does not revive or extend it. Money-judgment actions are listed under CPLR 211's twenty-year category. **D030-C042.** 41 | **Verified wage formula; bank categories verified, current automatic dollar amount held.** CPLR 5231 caps an income execution at no more than 10% of gross income and further limits earnings garnishment by the 30-times-minimum-wage and 25%-of-disposable-earnings tests. Article 52 provides bank-account and exempt-payment procedures. **D030-C043.** 42 | **Partial.** CPLR 5206's statutory text lists base homestead amounts of $150,000/$125,000/$75,000 by county group, but Article 52 also contains CPLR 5253 cost-of-living adjustments. Those old base figures must **not** be published as the current 2026 exemption without checking the operative COLA. **D030-C044.** 43 | **Verified.** New York Courts provides exemption, consumer-debt defense, default-vacatur and DIY/form resources. Improper service can support vacatur for lack of personal jurisdiction, with the court guidance stating no time limit for that service-based ground. **D030-C045.** 44 | **Unresolved here.** CPLR 5004 was not opened, and consumer-debt judgment treatment must not be inferred from the general judgment rate. |\n| **Pennsylvania** | **Verified licensing categories.** DoBS separately administers Debt Management Services Act licensing and Debt Settlement Services Act licensing; applicants/licensees use NMLS. The Debt Settlement Services Act is Act 118 of 2014. Exact current consumer fee formula was not successfully extracted, so it remains a hold. **D030-C046.** 9 | **Partial.** Pennsylvania's consumer debt-collection overlay requires a separate primary-source pass on the Fair Credit Extension Uniformity Act before publishing a comprehensive conduct checklist. | **Partial.** Official Title 42 identifies §5525 as the four-year limitation section; application to a particular account requires accrual, choice-of-law, tolling and cause-of-action analysis. Judgment lien/revival mechanics were not fully verified. **D030-C047.** 45 | **Unresolved at primary-detail level.** 42 Pa.C.S. §§8124/8127 were identified as exemption provisions, but current text was not successfully extracted. Do not publish a wage or bank dollar figure from D030. | **Partial.** Mortgage foreclosure and repossession authorities were identified for follow-up but not opened to the required standard. | **Verified operationally.** Pennsylvania Courts publishes the civil complaint used before magisterial district judges and states that filing and service costs are charged; exact costs vary rather than being represented here as one statewide number. **D030-C048.** 46 | **Unresolved.** No current primary judgment-interest calculation was verified. |\n\n### State-specific operative notes\n\n**Connecticut.** The strongest current publication proposition is that Connecticut has a dedicated debt-adjuster licensing regime in Chapter 669 and a separate state consumer-collection conduct regime. The licensing question must be analyzed by what the business actually does; a statement that “any company negotiating debt is automatically a Connecticut debt adjuster” should be withheld until §§36a-655 through 36a-663 are read together with exemptions. The same caution applies to fees: regulator application/license charges are not synonymous with what a provider may charge a consumer. **D030-C010–C012.** 11\n\nA Connecticut litigation article should also distinguish the limitations period for the underlying claim from the lifespan/enforcement of a judgment. Chapter 926 contains both types of provisions. “The debt expires after X years” is therefore poor drafting: a limitations defense to a new lawsuit, an existing judgment, lien duration, postjudgment execution, and voluntary payment are different questions. 13\n\n**Maine.** Maine is one of the clearest states for a debt-settlement fee calculator. For a provider acting as an intermediary to alter or settle a consumer's payment obligation, §6174-A(2)(B) allows a reasonable fee not exceeding **15% of the amount by which the consumer's debt is reduced as part of each settlement**, not 15% of enrolled debt or 15% of the amount paid to the creditor. The statute separately caps the one-time initial/setup fee at **$75**. **D030-C013–C014.** 1\n\nMaine's time-barred-debt rule is especially relevant operationally. Section 11013 says a debt collector may not commence a collection action more than six years after the consumer's last activity when that is the applicable period and may not sue when it knows or reasonably should know the action is barred. The state statute therefore matters at the litigation-decision stage, not merely as a disclosure rule. **D030-C016.** 47\n\nFor judgment exposure, Maine's current §4422 gives useful, debt-specific distinctions. Ordinary residence equity has dollar caps, but a principal place of residence is separately protected from attachment and execution based on “medical debt” as defined in Title 32. That protection should be applied only after verifying that the underlying obligation fits the incorporated statutory definition of medical debt. **D030-C017–C018.** 17\n\n**Massachusetts.** Massachusetts should not be placed in a licensing chart by copying the rules for “debt collectors” into a “debt settlement company” column. The Division of Banks licenses debt collectors, while creditor collection practices are also regulated by M.G.L. c.93, §49 and the Attorney General's 940 CMR 7.00 rules. D030 did not find a current primary provision that supports a blanket statement that every negotiation-only debt-relief provider holds the same license. This remains a licensing-publication hold rather than a presumed exemption. **D030-C019–C020.** 19\n\nMassachusetts' official law guide states a six-year period for consumer-related debt and links to the statutory framework. That is adequate for a general educational statement with conditions, but an account-level calculator still needs debt type, accrual date, governing law, litigation history, payment/acknowledgment history, and whether a judgment already exists. **D030-C021.** 20\n\n**New Hampshire.** New Hampshire expressly regulates “debt adjustment services” under RSA chapter 399-D, and the current application charge is straightforward: $500 for the principal office and $500 for each branch. That number is a **licensing cost**, not a consumer-service fee; current consumer charges under the debt-settlement provisions should be separately extracted before any fee-comparison article is published. **D030-C023.** 23\n\nThe state's exemption structure can materially change judgment collectability. RSA 480:1's $400,000 individual homestead is much larger than the ordinary Maine cap, and the multi-interest aggregate rule is $550,000. Those are exemption amounts, not a guarantee that a home cannot be foreclosed: consensual mortgage rights and statutory exceptions must be analyzed separately. The execution chapter also contains a procedure for asserting the homestead before sale. **D030-C026.** 26\n\n**Rhode Island.** Rhode Island offers another strong fee-calculator candidate. Section 19-14.8-23 distinguishes plans aimed at reducing finance/late charges from settlement plans and forbids charging before an agreement is signed. For the former, the setup ceiling is $50 and monthly service is capped at the lesser of $10 times remaining creditors and $50. For settlement plans, the statute uses a distinct setup and settlement-compensation structure; any calculator should retain the exact statutory ordering and credit prior fees as the section requires instead of marketing one headline percentage. **D030-C028–C029.** 48\n\nRhode Island's $500,000 automatic homestead is also easy to misstate. The statutory exceptions are unusually consequential: mortgages and other voluntary liens are among the excluded claims, and the statute contains additional exceptions involving taxes, purchase obligations, family support, Medicaid reimbursement, and certain regulated financial-institution debts. “RI protects $500,000 from creditors” without those qualifications would be materially misleading. **D030-C031.** 30\n\n**Vermont.** Vermont's definition is broad enough that the activity—not the marketing label—is what matters. Chapter 83 includes agreements to distribute, supervise, coordinate, negotiate or control payment among creditors and intermediary services to obtain creditor concessions. The regulator's current initial application amount is $750, corresponding to the statutory $250 license fee plus $500 application/investigation fee. **D030-C033.** 32\n\nVermont also gives debtors explicit contract-exit rights in the debt-adjuster statute. The chapter contains required disclosures, a three-business-day rescission provision, and a right to cancel later without a cancellation premium or penalty. Providers are restricted from several conflicts, including specified purchases of the debtor's obligation and taking certain security interests. Those requirements are highly suitable for a state compliance checklist once the consumer-fee section receives a second pass. 33\n\nFor litigation, Vermont Judiciary's eight-year judgment statement and renewal-before-expiration procedure matter separately from the limitations period for bringing the original claim. Its small-claims material also gives a materially lower $5,000 ceiling for consumer-credit and medical-debt claims than the ordinary $10,000 ceiling. **D030-C034–C036.** 34\n\nA temporal warning is required: Vermont Judiciary posted a rules order on October 6, 2026 with an **effective date of January 1, 2027** touching the debt/small-claims/foreclosure area. Because D030's baseline is October 22, 2026, that future-effective material must not be substituted for the rules actually in force on the baseline date. **D030-C049.** 49\n\n**New Jersey.** New Jersey presents the strongest state-level market-access warning in this group. The current DOBI FAQ states that only a **nonprofit corporation** can qualify for a debt-adjuster license, and DOBI's licensing page defines regulated activity to include acting for consideration as an intermediary to settle, compound, or otherwise alter the terms of a debtor's debts. A for-profit settlement provider should therefore not treat New Jersey as a routine registration state based on a multistate license chart. **D030-C037.** 50\n\nCurrent DOBI operational guidance also defeats reliance on old legislative proposals that contemplated changing the market structure unless a later enacted law can be produced. The Department's 2026 FAQ remains explicit about nonprofit eligibility. The underlying N.J.A.C. 3:25 fee provisions require a separate current-rule extraction before a consumer-fee number is published. 51\n\n**New York.** The distinction between **current law and active proposal** is critical. S3224 and A1427 were still described by the Legislature as active proposals seeking to make debt-settlement/debt-relief companies expressly qualify as budget planners and to impose a more detailed licensing regime. The proposal text contains detailed consumer protections, but none of those proposed provisions should be presented as law on October 22, 2026. **D030-C040.** 39\n\nNew York's limitation/revival rule is, by contrast, exceptionally clear current law. CPLR 214-i provides three years for a covered consumer-credit action and says that after expiration, later payment, written or oral affirmation, or other activity does not revive or extend the limitation. That creates a material difference from jurisdictions where acknowledgment or payment may affect limitations. **D030-C042.** 41\n\nCPLR 5231 also makes “25% wage garnishment” an incomplete statement. An income execution is ordinarily limited to **10% of gross income**, while disposable earnings are additionally protected by the greater applicable minimum-wage floor and the 25%-of-disposable-earnings ceiling. The allowed amount is effectively constrained by all applicable tests. **D030-C043.** 42\n\nThe homestead statute requires similar care. CPLR 5206 still displays historical statutory base figures of $150,000, $125,000, and $75,000 depending on county group, but Article 52 expressly includes a cost-of-living adjustment provision, CPLR 5253. A 2026 article must obtain the current adjustment rather than copying the base values from §5206. **D030-C044; publication hold on current dollars.** 43\n\n**Pennsylvania.** Pennsylvania distinctly licenses debt-management and debt-settlement services. DoBS says debt-settlement service means acting as an intermediary between an individual and one or more unsecured creditors to obtain concessions involving a principal reduction on personal, family, or household debt, and says those applicants/licensees use NMLS. The statute is the Debt Settlement Services Act, Act 118 of 2014. **D030-C046.** 9\n\nThe official consolidated Title 42 source identifies §5525 as Pennsylvania's four-year limitation provision. That permits an educational “four-year contract limitations framework” statement, but not an automated “four years after charge-off” result: accrual is a legal question, and judgments, tolling, choice of law, installment obligations, and revival need separate rules. **D030-C047.** 45\n\nPennsylvania Courts provides a standardized civil complaint for use before magisterial district judges and notes that filing and service costs are charged. D030 did not verify one uniform dollar amount because local/service costs can differ; a calculator should pull the current court schedule instead of freezing an old number. **D030-C048.** 46\n\n## Worked examples, comparisons, and practical research applications\n\n### Maine settlement-fee example\n\nAssume a **Maine resident consumer** has one unsecured account with a $20,000 balance and a covered debt-management provider acting as settlement intermediary obtains a creditor agreement for $12,000.\n\nThe statutory debt reduction is:\n\n[\n$20,000-$12,000=$8,000\n]\n\nSection 6174-A(2)(B)'s maximum settlement-intermediary fee is:\n\n[\n$8,000\\times15%=$1,200\n]\n\nThe provider could also potentially charge the separately authorized one-time setup fee, but no more than **$75**, producing a state-law headline maximum of $1,275 in this simplified example **if all statutory conditions for both charges are satisfied**. It would be wrong to calculate 15% of the original $20,000 ($3,000) because the Maine statute measures the percentage against the **amount reduced**, not enrolled balance. **D030-C014.** 1\n\nIf the service is also a covered telemarketed debt-relief service under the federal TSR, the Maine number does not authorize advance collection. The provider must separately satisfy 16 C.F.R. §310.4(a)(5)'s timing conditions before requesting or receiving the settlement fee. **D030-C001.** 4\n\n### Rhode Island settlement-plan example\n\nAssume an individual enters a Rhode Island settlement plan with $20,000 of principal and the creditor accepts $12,000. The gross principal reduction is:\n\n[\n$20,000-$12,000=$8,000\n]\n\nRhode Island's settlement compensation provision permits compensation up to **30% of the excess of the principal amount over the amount paid the creditor**, subject to crediting the statutory setup/monthly fees as the section directs. Before those credits, the 30% component is:\n\n[\n$8,000\\times30%=$2,400\n]\n\nThe settlement-plan setup charge is capped at the lesser of $400 or 4% of the debt at plan inception; here:\n\n[\n4%\\times $20,000=$800\n]\n\nso the setup ceiling is **$400**. Monthly service charges are capped at $10 times creditors remaining, but never more than $50 in a month. The precise final compensation therefore depends on how many monthly/setup fees were actually charged and must follow §19-14.8-23's crediting rule rather than simply adding every ceiling together. **D030-C029.** 52\n\n### New York wage-execution example\n\nUse a **hypothetical** $16/hour applicable minimum wage solely to demonstrate CPLR 5231; this does **not** assert that $16 is the current minimum wage for every New York location. Assume weekly gross income of $1,000 and weekly disposable earnings of $800.\n\nThe three relevant constraints are:\n\n[\n10%\\text{ of gross} = $100\n]\n\n[\n25%\\text{ of disposable} = $200\n]\n\n[\n30\\times $16=$480\\text{ protected floor}\n]\n\nDisposable earnings exceed the assumed floor by:\n\n[\n$800-$480=$320\n]\n\nThe $100 10%-of-gross figure is lower than both $200 and $320, so the hypothetical income execution would be limited to **$100/week**, before considering support orders, medical-debt restrictions, or another applicable protection. That is why a tool saying “New York garnishment is 25%” would be defective. **D030-C043.** 42\n\n### Maine and New Hampshire homestead comparison\n\nAssume a homeowner has a home worth $300,000 and a consensual mortgage balance of $180,000, producing:\n\n[\n$300,000-$180,000=$120,000\\text{ equity}\n]\n\nFor a Maine debtor with minor dependents whose principal residence is the home, §4422's $160,000 qualifying cap exceeds the $120,000 equity; in this simplified **unsecured judgment** scenario there is no equity above the stated exemption. A consensual mortgage is a different secured claim and this calculation does not erase the mortgage. **D030-C018.** 53\n\nFor a qualifying New Hampshire individual, the ordinary $400,000 homestead amount likewise exceeds $120,000. Again, the conclusion concerns exposure to the judgment process under the homestead statute; it does not convert a secured mortgage into unsecured debt or bar enforcement of every statutory exception. **D030-C026.** 26\n\n### Federal insolvency-tax example after settlement\n\nAssume a creditor cancels $8,000. Immediately before cancellation, the taxpayer has $100,000 of total liabilities and $96,000 fair-market value of assets. Simplifying away other §108 categories:\n\n[\n$100,000-$96,000=$4,000\\text{ insolvency}\n]\n\nThe insolvency exclusion can potentially shelter canceled-debt income **only up to the amount of insolvency**, so $4,000 may qualify for the insolvency exclusion and the remaining $4,000 may remain includible absent another exclusion. The taxpayer may need Form 982. This is not a statement that every $8,000 settlement creates $4,000 of tax—taxable income, tax due, exclusions, basis/attribute reduction, and the relevant tax year are separate questions. **D030-C003.** 6\n\n### Limitation-calendar example and its limits\n\nFor New York, suppose a covered consumer-credit cause of action accrued on January 15, 2024 and, solely for the example, no tolling or other exception applies. CPLR 214-i's three-year period would lead to a nominal expiration date of January 15, 2027. A payment on February 1, 2027 would not revive the already expired limitations period under §214-i. **D030-C042.** 41\n\nThat example should **not** be turned into an account calculator that uses “last payment,” “charge-off date,” or “date sent to collections” interchangeably. Accrual itself must be determined under the governing cause of action and contract; choice-of-law provisions, earlier acceleration, a prior judgment, bankruptcy tolling, and procedural history can change the result.\n\n### Meaningful cross-state comparisons\n\n| Issue | Strong comparison supported by D030 |\n| --- | --- |\n| Settlement-provider fees | Maine measures settlement compensation against **debt reduction** at 15%; Rhode Island uses a more complex savings-based formula plus setup/monthly limits. 1 |\n| Market access | New Jersey's regulator currently says only a **nonprofit corporation** can receive a debt-adjuster license; Pennsylvania expressly licenses debt-settlement companies; Vermont broadly defines debt adjustment to include concession negotiation. 54 |\n| Time-barred debt | Maine provides a specific six-year collector rule with protections against time-barred collection actions; New York gives covered consumer credit three years and expressly eliminates post-expiration revival by payment/affirmation. 47 |\n| Homestead | Maine's ordinary qualifying amount is $80,000, potentially $160,000 with minor dependents; NH is $400,000 individually/$550,000 aggregate in the stated context; RI gives an automatic $500,000 but has important creditor/lien exceptions. 3 |\n| Small claims | NH: up to $10,000. Vermont: generally $10,000 but $5,000 for consumer-credit/medical-debt small claims. 27 |\n| Proposed versus current law | NY's proposed debt-settlement and statewide collector-licensing bills remain proposals in the cited 2025–26 session material; they must not be applied as enacted law. 39 |\n\nThe strongest draft article/tool opportunities from this assignment are a **Maine debt-settlement statutory-fee calculator**, **Rhode Island debt-settlement statutory-fee calculator**, **New York CPLR 5231 wage-execution calculator with locality/date-specific minimum-wage input**, **Maine/NH/RI homestead comparison tool**, **state debt-relief market-access checklist**, and **time-barred-debt/revival comparison page**. The New York homestead calculator is a publication hold until the applicable CPLR 5253 indexed figures are independently captured; New Jersey debt-adjuster fees are a hold until the current N.J.A.C. 3:25 text is opened; and no Northeast-wide judgment-interest calculator should be built from D030 because most state interest formulas still need dedicated verification.\n\n## Source register\n\n“Opened” below means the HTML source was directly opened or its substantive body was returned and read. “Search extraction” means the official search result returned enough operative text to support the specified claim, but no separate open succeeded. “Discovery-only” means it was located but not used for a substantive legal proposition. All were checked October 22, 2026 unless stated otherwise.\n\n| ID | Source / issuer / direct URL | Pinpoint, version and status | Access / limits |\n| --- | --- | --- | --- |\n| **D030-S001** | 16 C.F.R. §310.4, eCFR. `https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4` 4 | §310.4(a)(5); current eCFR; federal, covered telemarketing/debt-relief scope. | Open substantive HTML/search extraction. |\n| **D030-S002** | CFPB Regulation F §1006.34. `https://www.consumerfinance.gov/rules-policy/regulations/1006/34` 5 | §§1006.34(a), (c); validation notice; current CFPB regulation page. | Open HTML. |\n| **D030-S003** | CFPB Regulation F §1006.38. `https://www.consumerfinance.gov/rules-policy/regulations/1006/38` 55 | Validation-period disputes/original-creditor requests. | Open HTML. |\n| **D030-S004** | IRS Publication 4681 (2025), Canceled Debts, Foreclosures, Repossessions, and Abandonments. `https://www.irs.gov/publications/p4681` 6 | Bankruptcy/insolvency and canceled-debt sections; 2025 tax publication, available and checked in 2026. | Open HTML. Tax-year applicability must be checked for later years. |\n| **D030-S005** | IRS Form 982 page. `https://www.irs.gov/forms-pubs/about-form-982` 56 | Form used for specified §108 exclusions/reduction of tax attributes. | Open HTML. |\n| **D030-S006** | U.S. Courts, Chapter 7 Bankruptcy Basics. `https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-7-bankruptcy-basics` 7 | Secured-creditor rights after discharge/reaffirmation discussion. | Open HTML; official explanatory material, not statute. |\n| **D030-S007** | U.S. Courts, Chapter 13 Bankruptcy Basics. `https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-13-bankruptcy-basics` 8 | Co-debtor stay; 11 U.S.C. §1301 reference. | Open HTML. |\n| **D030-S008** | Connecticut General Assembly, Ch. 669 Regulated Activities. `https://www.cga.ct.gov/2025/pub/chap_669.htm` 11 | §§36a-645–647, 36a-655 et seq., including §36a-658 licensing. | Search extraction; attempted open returned tool error. Consumer fee text not sufficiently extracted. |\n| **D030-S009** | Connecticut General Assembly, Ch. 926 Statute of Limitations. `https://www.cga.ct.gov/2025/pub/chap_926.htm` 13 | Includes §52-598 and other limitation provisions. | Search extraction; later open error. Used only for chapter/judgment framework, not precise account accrual. |\n| **D030-S010** | Maine Legislature, 32 M.R.S. §6173. `https://legislature.maine.gov/statutes/32/title32sec6173.html` 14 | Registration; $800/$600/$100 statutory maxima and NMLS fee language. | Official HTML extraction. |\n| **D030-S011** | Maine Legislature, 32 M.R.S. §6174-A. `https://legislature.maine.gov/statutes/32/title32sec6174-A.html` 1 | Subsections 1–4; $75 setup, $40 monthly, 15% reduction-based settlement fee. Page states extracted 10/20/2025. | Full official HTML returned in search. Check for post-extraction amendments before future-date publication. |\n| **D030-S012** | Maine Legislature, 32 M.R.S. §11012. `https://legislature.maine.gov/statutes/32/title32sec11012.html` 15 | Debt-collector communications, time/place, attorney/workplace/third-party rules. | Official HTML extraction. |\n| **D030-S013** | Maine Legislature, 32 M.R.S. §11013. `https://legislature.maine.gov/statutes/32/title32sec11013.html` 47 | Subsections 7–9; time-barred actions and six-year collector limitation. | Opened HTML; lines 127–130 captured core rule. |\n| **D030-S014** | Maine Legislature, 14 M.R.S. §4422. `https://www.legislature.maine.gov/statutes/14/title14sec4422.html` 17 | §4422(1), (2) etc.; $80k/$160k residence rules; medical-debt residence clause; vehicle and personal-property amounts. | Opened HTML; lines 33–67 and later portions read. |\n| **D030-S015** | Massachusetts General Court, M.G.L. c.93 §49. `https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXV/Chapter93/Section49` 57 | Collection by creditor/attorney/assignee; consumer purpose; unfair/deceptive/unreasonable practices. | Opened official HTML. |\n| **D030-S016** | Massachusetts Trial Court, “Massachusetts law about debt collection.” `https://www.mass.gov/info-details/massachusetts-law-about-debt-collection` 58 | Updated Oct. 2, 2026; links statutes/regulations; six-year general consumer-debt statement. | Official guidance, not substitute for primary statute where exact wording matters. |\n| **D030-S017** | Mass.gov, Massachusetts law about homestead. 21 | M.G.L. c.188 guidance; page updated Mar. 10, 2025 in retrieved result. | Official guidance; current indexed amount not extracted. |\n| **D030-S018** | Mass.gov, small claims court. 22 | Official filing guidance; $40–$150 filing-fee range depending claim. | Official operational guidance. |\n| **D030-S019** | New Hampshire General Court, RSA ch.399-D. `https://gencourt.state.nh.us/rsa/html/XXXVI/399-D/399-D-mrg.htm` 23 | §399-D:4 $500 principal-office and branch application fees; chapter covers debt adjustment. | Substantive official extraction; later open errored. |\n| **D030-S020** | New Hampshire Banking Department, Debt Adjusters. 59 | NMLS licensing administration. | Official agency page. |\n| **D030-S021** | New Hampshire General Court, RSA ch.508. `https://gencourt.state.nh.us/rsa/html/LII/508/508-mrg.htm` 24 | §508:4 three-year general personal actions; §508:5 twenty-year specified debt/judgment; §508:6 mortgage-note rule. | Official HTML extraction. |\n| **D030-S022** | New Hampshire RSA §512:21 / Trustee Process. 25 | Wage/trustee-process exemptions; fifty-times-federal-minimum-wage provision in judgment context. | Official statute extraction. |\n| **D030-S023** | New Hampshire RSA §480:1. 26 | $400,000 individual; $550,000 aggregate conditions; illness/injury provision. | Official statute extraction. |\n| **D030-S024** | New Hampshire RSA ch.529. 60 | Real-estate levy/homestead notice and sale mechanics. | Official statute extraction. |\n| **D030-S025** | New Hampshire Judicial Branch, Small Claims. 27 | $10,000 ceiling and waiver of excess. | Official court guidance. |\n| **D030-S026** | Rhode Island DBR, Banking. `https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking/banking` 61 | Lines 96 onward: licensed categories include debt collectors/debt management; DBR usury role. | Opened official HTML. |\n| **D030-S027** | R.I. Gen. Laws §19-14.8-23. `https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.8/19-14.8-23.htm` 48 | Consumer debt-management/settlement fees; setup, monthly, settlement compensation, dishonored-payment limits. | Opened official HTML. |\n| **D030-S028** | R.I. Gen. Laws ch.19-14.8 index. 62 | Registration, application, renewal, bond and fee framework. | Official statute extraction. |\n| **D030-S029** | R.I. Gen. Laws §9-26-4. `https://webserver.rilegislature.gov/Statutes/TITLE9/9-26/9-26-4.HTM` 29 | Execution exemptions; amended through P.L. 2025 chs.26/27, effective June 10, 2025. | Official statute extraction. |\n| **D030-S030** | R.I. Gen. Laws §9-26-4.1. `https://webserver.rilegislature.gov/Statutes/TITLE9/9-26/9-26-4.1.htm` 30 | $500,000 automatic homestead and enumerated exceptions. | Official statute extraction. |\n| **D030-S031** | R.I. Gen. Laws §9-21-10. `https://webserver.rilegislature.gov/Statutes/TITLE9/9-21/9-21-10.htm` 31 | Covered prejudgment/postjudgment interest at 12%, with stated qualifications. | Official statute extraction. |\n| **D030-S032** | Vermont Legislature, 8 V.S.A. ch.83. `https://legislature.vermont.gov/statutes/fullchapter/08/083` 63 | §2751 et seq.; definition at opened lines around 292; contracts, rescission, cancellation, prohibited conduct elsewhere in chapter. | Opened official HTML, current statutes page. |\n| **D030-S033** | Vermont Legislature, Title 8 ch.72 fee schedule. 64 | Debt-adjuster fee: $250 license + $500 application/investigation. | Official statute extraction. |\n| **D030-S034** | Vermont DFR, Debt Adjuster. 65 | Agency operational page states $750 initial application. | Official agency guidance. |\n| **D030-S035** | Vermont Judiciary, Collecting a Small Claims Judgment. 34 | Judgment good eight years; renewal action before expiration; financial-disclosure/execution process. | Official court guidance. |\n| **D030-S036** | Vermont Judiciary, Small Claims — suing/being sued. 35 | $10,000 ordinary ceiling; $5,000 consumer-credit/medical-debt ceiling; exemption explanation. | Official court guidance. |\n| **D030-S037** | Vermont Judiciary, rules promulgation page. 49 | Order promulgated Oct. 6, 2026; effective Jan. 1, 2027. | Official page; future-effective, therefore not applied to Oct. 22 baseline. |\n| **D030-S038** | NJDOBI, Debt Adjuster License. `https://www.nj.gov/dobi/banklicensing/debtadjuster.html` 36 | Lines 33+: license required for settlement/intermediary/fund-distribution activities; N.J.S.A. 17:16G-1 et seq. | Opened official agency page. |\n| **D030-S039** | NJDOBI, Debt Adjuster License FAQ. `https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html` 50 | Lines 14–16: definition, nonprofit-only eligibility, exemptions. | Opened official agency page. |\n| **D030-S040** | NJDOBI Rule Adoptions. `https://www.nj.gov/dobi/adopt.htm` 51 | N.J.A.C. 3:25 readoption reference. | Official discovery/search extraction; exact current fee subsection not opened. |\n| **D030-S041** | New Jersey Courts, Collecting Money in a Civil Case. `https://www.njcourts.gov/self-help/collecting-money-civil` 38 | Wage/bank/property collection instructions. | Official court operational guidance. |\n| **D030-S042** | NYDFS, Debt Collection FAQ. `https://www.dfs.ny.gov/faqs/industry_faqs/debt` 40 | 23 NYCRR 1 scope and relationship to other collection laws. | Official agency HTML. |\n| **D030-S043** | New York CPLR 214-i. `https://www.nysenate.gov/legislation/laws/CVP/214-I` 41 | Opened lines 52–64: three years; no revival/extension after expiration by payment/affirmation/activity. | Opened official legislative HTML; current revision shown from 2022-04-08. |\n| **D030-S044** | New York CPLR Article 2. `https://www.nysenate.gov/legislation/laws/CVP/A2` 66 | Current revision shown Dec. 26, 2025; §211 money judgments, §213 contracts, §214-i consumer credit. | Opened official legislative HTML. |\n| **D030-S045** | New York CPLR Article 52. `https://www.nysenate.gov/legislation/laws/CVP/A52` 67 | §§5205, 5206, 5222-a, 5231, 5240, 5253. | Opened official legislative HTML. |\n| **D030-S046** | New York CPLR 5206. `https://www.nysenate.gov/legislation/laws/CVP/5206` 43 | Statutory base homestead figures and surplus-sale procedure; base text not sufficient by itself because §5253 adjusts exemptions. | Full official extraction. |\n| **D030-S047** | New York CPLR 5231. `https://www.nysenate.gov/legislation/laws/CVP/5231` 42 | 10% gross cap; minimum-wage floor; 25% disposable cap; modification rights. | Full official extraction. |\n| **D030-S048** | New York Courts, Money That Can't Be Taken to Collect a Debt. `https://www.nycourts.gov/help/after-case-over/money-cant-be-taken-collect-debt` 44 | Court explanation of exempt income and garnishment. | Official court guidance; example wage in page is not treated as a 2026 statewide wage rate. |\n| **D030-S049** | New York Courts, Vacating a Default Judgment. `https://www.nycourts.gov/help/after-case-over/vacating-default-judgment` 68 | Consumer-debt defenses, service/jurisdiction, DIY procedure. | Official court guidance. |\n| **D030-S050** | NY Senate 2025-S3224. `https://www.nysenate.gov/legislation/bills/2025/S3224` 39 | Active proposal; would clarify budget-planning definition for debt settlement/relief. | **Proposal only; not controlling law.** |\n| **D030-S051** | NY Assembly 2025-A1427. `https://www.nysenate.gov/legislation/bills/2025/A1427` 69 | Active proposal for debt-settlement licensing/regulation. | **Proposal only; not controlling law.** |\n| **D030-S052** | NY Senate 2025-S4271A. `https://www.nysenate.gov/legislation/bills/2025/S4271` 10 | Active statewide consumer-debt-collector licensing proposal. | **Proposal only; not controlling law.** |\n| **D030-S053** | Pennsylvania DoBS, Non-Bank Licensees. `https://www.pa.gov/agencies/dobs/non-bank-licensees` 9 | Definitions of debt-management/debt-settlement service; NMLS licensing. | Official agency current page. |\n| **D030-S054** | Pennsylvania DoBS, Laws, Acts, and Regulations. `https://www.pa.gov/agencies/dobs/statutes` 70 | Lines 89–92 link Debt Management Services Act and Debt Settlement Services Act. | Opened official agency index; page itself warns it is not the official statutory copy. |\n| **D030-S055** | Pennsylvania General Assembly, 2014 Acts index. 71 | Act 118, Debt Settlement Services Act. | Official legislative extraction. |\n| **D030-S056** | Pennsylvania General Assembly, Title 42. `https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/42/42.HTM` 45 | §5525 four-year limitation section identified. | Search extraction; full-title open exceeded tool size. |\n| **D030-S057** | Pennsylvania Courts, Forms for the Public. `https://www.pacourts.us/forms/for-the-public` 46 | Magisterial district judge civil complaint; filing/service costs. | Official court HTML. |\n| **D030-S058** | Pennsylvania DoBS, Debt Management Services Accreditation Providers. `https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers` 72 | Accreditation/counselor certification requirements under Debt Management Services Act. | Official agency page. |\n\n**Discovery-only / deliberately excluded evidence:** Maine foreclosure-diversion PDFs were located but not used because they were not screenshot-rendered; Rhode Island Superior Court Rules were similarly located as a PDF but not used for substantive claims; the CFPB's 354-page Regulation F rulemaking PDF was not needed because current HTML regulation text was available. This avoids treating a search snippet or an unseen PDF page as verified legal text. 73\n\n## Material claim register\n\n| Claim ID | Area / precise claim | Primary or official support; conditions and limits |\n| --- | --- | --- |\n| **D030-C001** | A066/federal — Covered telemarketed debt-relief services cannot take the debt-relief fee before satisfying 16 C.F.R. §310.4(a)(5); qualifying account funds must remain consumer-controlled subject to the rule. | D030-S001, §310.4(a)(5). Federal timing rule; does not itself determine state licensing or state fee ceiling. 4 |\n| **D030-C002** | A066/federal — Covered collectors must provide Regulation F validation information and respect validation-period rights. | D030-S002–S003, 12 C.F.R. §§1006.34, 1006.38. Applies to entities/debts within FDCPA/Reg F scope. 5 |\n| **D030-C003** | A066/tax — Canceled debt can be income; bankruptcy/insolvency and other §108 exclusions may apply; Form 982 can be required. | D030-S004–S005. Tax-year and taxpayer-specific analysis required. 6 |\n| **D030-C004** | A066/collateral — Discharge of personal liability does not necessarily eliminate a secured creditor's collateral rights. | D030-S006. Bankruptcy-specific explanatory source; lien treatment outside bankruptcy requires governing secured-debt law. 7 |\n| **D030-C005** | A066/guarantors — Ch.13 can protect qualifying consumer co-debtors under §1301; this is not a general guarantor release. | D030-S007. 8 |\n| **D030-C006** | A066/scope — Consumer statutes cannot automatically be applied to commercial/business debt. | Pennsylvania's regulator expressly defines the settlement category around an individual's personal/family/household debt; NY CPLR 214-i is consumer-credit specific. D030-S043, S053. 9 |\n| **D030-C007** | A066/local/tribal/territorial — No comprehensive local, tribal, or territorial rule set was verified in D030; do not extrapolate the nine-state findings. | Explicit evidence limitation. NY sponsor material is insufficient to verify municipal law. 10 |\n| **D030-C010** | CT — Debt-adjuster licensing is governed in ch.669 and §36a-658 is a licensing provision. | D030-S008. Consumer fee ceiling remains unresolved. 74 |\n| **D030-C011** | CT — §§36a-645–647 contain state restrictions on abusive/harassing/fraudulent/deceptive/misleading collection practices in their statutory scope. | D030-S008. 12 |\n| **D030-C012** | CT — Limitations and judgment-enforcement periods must be distinguished; §52-598 is within ch.926. | D030-S009. Exact consumer-contract accrual/revival not approved from this run. 13 |\n| **D030-C013** | ME — Debt-management registration application ≤$800; re-registration ≤$600; late re-registration $100, plus NMLS charges as applicable. | D030-S010, 32 M.R.S. §6173. 14 |\n| **D030-C014** | ME — Consumer setup ≤$75; distribution-plan monthly ≤$40; settlement intermediary ≤15% of amount debt is reduced. | D030-S011, §6174-A(1)–(3). 1 |\n| **D030-C015** | ME — Debt-collector communication restrictions include 8 a.m.–9 p.m. presumptive convenience and attorney/workplace/third-party rules. | D030-S012, §11012. 15 |\n| **D030-C016** | ME — Debt collector may not commence collection action more than six years after last consumer activity where §11013(8) governs, subject to shorter Maine limitations; time-barred action is prohibited. | D030-S013, §11013(7)–(8). 47 |\n| **D030-C017** | ME — §4422 contains current exemption amounts including $10,000 for one motor vehicle and stated household/jewelry/tool categories. | D030-S014, §4422(2)–(5). 17 |\n| **D030-C018** | ME — Residence equity generally ≤$80,000; ≤$160,000 where minor dependents principally reside, with joint-interest rule; qualifying medical debt receives special principal-residence protection. | D030-S014, §4422(1). 17 |\n| **D030-C019** | MA — A current stand-alone debt-settlement licensing/fee regime for a negotiation-only provider was not verified; debt-collector licensing cannot be substituted for that analysis. | Evidence limitation based on D030-S015–S016 and DOB material. 18 |\n| **D030-C020** | MA — M.G.L. c.93 §49 regulates unfair/deceptive/unreasonable collection by creditor/attorney/assignee of covered consumer debt; 940 CMR 7 supplements it. | D030-S015–S016. 19 |\n| **D030-C021** | MA — Official court guidance states consumer-related debt generally has a six-year limitations period. | D030-S016; points to M.G.L. c.260 §2. Account-level accrual/revival requires more analysis. 75 |\n| **D030-C022** | MA — Official small-claims filing fees reported at $40–$150 depending on claim amount. | D030-S018. Court-fee schedules can change. 22 |\n| **D030-C023** | NH — Debt-adjustment application fee is $500 for principal office and $500 each branch. | D030-S019, RSA 399-D:4. 23 |\n| **D030-C024** | NH — General personal actions: three years under RSA 508:4; specified judgment/sealed debt: twenty years under 508:5. | D030-S021. 24 |\n| **D030-C025** | NH — Trustee-process wage exemption includes judgment-context protection tied to fifty times federal minimum hourly wage per week. | D030-S022, RSA 512:21. 25 |\n| **D030-C026** | NH — Homestead $400,000 individual; qualifying aggregate ceiling $550,000, subject to statute and exceptions. | D030-S023–S024. 26 |\n| **D030-C027** | NH — Small-claims maximum $10,000; excess is waived by choosing that forum. | D030-S025. 27 |\n| **D030-C028** | RI — DBR licenses debt collectors and debt-management companies; UDMA registration framework applies to covered providers. | D030-S026–S028. 76 |\n| **D030-C029** | RI — §19-14.8-23 limits fees: traditional plan $50 setup and $10/remaining creditor monthly ≤$50; settlement plan has separate setup/monthly and ≤30%-of-savings compensation formula with statutory credits. | D030-S027. 52 |\n| **D030-C030** | RI — Execution exemptions include $2,000 tools, $9,600 household category, $12,000 motor vehicles, $2,000 jewelry and $500 bank deposits. | D030-S029, §9-26-4; 2025 amendments noted in source. 29 |\n| **D030-C031** | RI — Automatic homestead is $500,000 with enumerated statutory exceptions including consensual mortgages/voluntary liens. | D030-S030, §9-26-4.1. 30 |\n| **D030-C032** | RI — §9-21-10 uses 12% pre/postjudgment interest for its covered civil pecuniary-damage judgments, subject to exceptions. | D030-S031. Not universalized to every obligation. 31 |\n| **D030-C033** | VT — Debt adjustment includes creditor-concession negotiation; initial licensing charges total $750 ($250+$500); bond provision starts at $50,000. | D030-S032–S034 and 8 V.S.A. §2755. 32 |\n| **D030-C034** | VT — Judiciary states judgments are good eight years and may be renewed by filing before expiry. | D030-S035. 34 |\n| **D030-C035** | VT — Exempt income/property can prevent collection even when a judgment exists; Judiciary supplies exemption/disclosure process. | D030-S035–S036. Exact wage/bank amounts remain hold. 34 |\n| **D030-C036** | VT — Small claims generally ≤$10,000; consumer-credit and medical-debt small claims ≤$5,000. | D030-S036. 35 |\n| **D030-C037** | NJ — Debt-adjuster license covers settlement/intermediary activity; current DOBI FAQ says only nonprofit corporations can qualify. | D030-S038–S039; N.J.S.A. 17:16G-1 et seq. 36 |\n| **D030-C038** | NJ — Court postjudgment guidance covers wage execution and $1,000 personal-property designation; exact statutory formula remains primary-source hold. | D030-S041 and court FAQ. 38 |\n| **D030-C039** | NJ — NJ Courts provides official wage/bank/property judgment-collection self-help. | D030-S041. 38 |\n| **D030-C040** | NY — S3224/A1427 are active proposals, not baseline law; they would expressly regulate debt-settlement/debt-relief activity. | D030-S050–S051. 39 |\n| **D030-C041** | NY — DFS has current third-party collection regulation; statewide debt-collector licensing bill remains a proposal in cited legislative material. | D030-S042, S052. 40 |\n| **D030-C042** | NY — Covered consumer-credit suit period is three years; post-expiration payment/affirmation/activity does not revive or extend it. | D030-S043, CPLR 214-i. 41 |\n| **D030-C043** | NY — Income execution ≤10% gross and subject to 30-times-minimum-wage and 25%-disposable limits plus other qualifications. | D030-S047, CPLR 5231. 42 |\n| **D030-C044** | NY — §5206 shows $150k/$125k/$75k statutory base homestead tiers, but §5253 supplies COLA, so base figures are not approved as current 2026 amounts. | D030-S045–S046. 43 |\n| **D030-C045** | NY — Court self-help identifies consumer-debt defenses and service-based default-vacatur procedure; bad service/lack of jurisdiction can be raised without the ordinary excusable-default time limit described on the page. | D030-S049. 68 |\n| **D030-C046** | PA — DoBS separately licenses debt-management and debt-settlement services through NMLS; Debt Settlement Services Act is Act 118 of 2014. | D030-S053–S055. 9 |\n| **D030-C047** | PA — 42 Pa.C.S. §5525 is the four-year limitation provision; account-level application requires accrual/tolling/choice-of-law analysis. | D030-S056. 45 |\n| **D030-C048** | PA — PA Courts provides the MDJ civil complaint and states filing/service costs apply. | D030-S057. 46 |\n| **D030-C049** | VT/status — Oct. 6, 2026 Judiciary rule order has Jan. 1, 2027 effective date and must not be applied to Oct. 22, 2026 baseline. | D030-S037. 49 |\n\n## Coverage, publication holds, and researcher self-check\n\n### Coverage table\n\n| Jurisdiction / boundary | Licensing & fees | Interest | Collection | Limitation / revival | Exemptions | Foreclosure / repo | Courts / remedies | Principal missing evidence / next research action |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| Connecticut | **Partial** C010 | **Unresolved** | **Answered** C011 | **Partial** C012 | **Unresolved** current exact formulas | **Partial** | **Unresolved** | Open current §§36a-655–663 fee provisions; §§52-352b, 52-361a; §§37-3a/b; Judicial Branch foreclosure/self-help and secured-repo provisions. |\n| Maine | **Answered** C013–C014 | **Unresolved** | **Answered** C015 | **Answered** C016 | **Answered/Partial** C017–C018 | **Partial** | **Partial** | Open HTML §1602-C and Title 14 wage/foreclosure statutes; screenshot current foreclosure-diversion PDF before using it. |\n| Massachusetts | **Unresolved/Partial** C019 | **Unresolved** | **Answered** C020 | **Answered/Partial** C021 | **Partial** | **Partial** | **Answered** C022 | Determine exact debt-settlement-provider classification, current homestead indexed figure, c.246 attachment amounts, c.244 foreclosure timelines, judgment interest. |\n| New Hampshire | **Answered/Partial** C023 | **Unresolved** | **Partial** | **Answered** C024 | **Answered/Partial** C025–C026 | **Partial** | **Answered** C027 | Open current §399-D:16 consumer fee terms; ch.358-C conduct rules; RSA 479:25/repo rules; judgment interest. |\n| Rhode Island | **Answered** C028–C029 | **Answered narrowly** C032 | **Partial** | **Unresolved** | **Answered/Partial** C030–C031 | **Partial** | **Partial** | Open ch.9-1 limitations/revival, full wage interaction, foreclosure statutes, and screenshot court-rule PDF if relied upon. |\n| Vermont | **Answered/Partial** C033 | **Unresolved** | **Partial** | **Answered/Partial** C034 | **Partial** C035 | **Partial** | **Answered** C036 | Open debt-adjuster consumer fee provision, 12 V.S.A. §§2740/3170, 27 V.S.A. homestead, current foreclosure rule before and after Jan. 1, 2027. |\n| New Jersey | **Answered/Partial** C037 | **Unresolved** | **Partial** | **Unresolved** | **Partial** C038 | **Unresolved** | **Answered** C039 | Open current N.J.A.C. 3:25 fees; N.J.S.A. 2A:14 limitation text; statutory wage/property exemptions; homestead status; Fair Foreclosure Act; Rule 4:42-11. |\n| New York | **Partial** C040 | **Unresolved** | **Answered** C041 | **Answered** C042 | **Answered/Partial** C043–C044 | **Partial** | **Answered** C045 | Determine existing budget-planner reach to negotiation-only model; obtain current §5253 indexed homestead/bank figures; open CPLR 5004 and RPAPL foreclosure provisions. |\n| Pennsylvania | **Answered/Partial** C046 | **Unresolved** | **Partial** | **Answered/Partial** C047 | **Unresolved** | **Partial** | **Answered** C048 | Open Act 118 fee provisions, FCEUA, §§8124/8127, judgment revival/lien rules, Act 6/foreclosure and UCC repo provisions. |\n| Municipal/local | **Unresolved** | N/A | **Unresolved** | **Unresolved** | **Unresolved** | **Unresolved** | **Unresolved** | Separate municipality-by-municipality research; do not infer NYC/Buffalo or other local requirements from state law or legislative memos. |\n| Tribal | **Excluded from substantive verification / unresolved boundary** | Same | Same | Same | Same | Same | Same | Identify tribe, transaction nexus, forum, tribal code, federal Indian-law issues and any compact before making a jurisdiction claim. |\n| U.S. territories | **Excluded from assigned nine-state D030 scope** | Same | Same | Same | Same | Same | Same | Territory-specific assignment required; no territorial code was researched here. |\n| Other 41 states + D.C. | **Excluded from D030 assigned jurisdiction list** | Same | Same | Same | Same | Same | Same | Covered by other A066 assignments, not silently inferred from Northeast findings. |\n\n### Publication holds and open questions\n\nThe following should remain **publication holds**, not be filled from secondary charts:\n\n1. **Connecticut:** exact 2026 consumer debt-adjuster fee limitations; current wage/bank exemption formulas; foreclosure/repo workflow and judgment-interest rules.\n2. **Massachusetts:** whether and exactly when a pure debt-settlement negotiator needs a specific state license; current indexed homestead amount; current attachment amounts and foreclosure cure/sale rules.\n3. **New Hampshire:** current §399-D:16 consumer fee formula and full ch.358-C collection checklist.\n4. **Rhode Island:** ordinary debt limitations/revival and exact wage-garnishment interaction.\n5. **Vermont:** debt-adjuster consumer fee ceiling; precise wage/bank/homestead numbers; effect of the January 1, 2027 rule changes after they become effective.\n6. **New Jersey:** current N.J.A.C. 3:25 consumer fees, limitations/revival, homestead status, exemption formulas, Fair Foreclosure Act deadlines and current postjudgment rate.\n7. **New York:** current indexed CPLR 5253 exemption figures; current bank-account floor; CPLR 5004 consumer-debt judgment rate; exact reach of existing budget-planner law to a negotiation-only provider; RPAPL foreclosure process.\n8. **Pennsylvania:** Act 118 consumer fee provisions, FCEUA conduct requirements, exact wage/bank exemptions, judgment revival/lien rules and secured foreclosure/repo procedure.\n\nThose holds are material because a wrong answer can change market eligibility, the lawful fee, whether a lawsuit is timely, whether a consumer's wages/home/bank account are reachable, or whether a proposed rule is being presented prematurely as current law.\n\n### Article and tool opportunities approved by current evidence\n\nThe evidence is strong enough now for a Maine fee-calculation article/tool tied to 32 M.R.S. §6174-A; a Rhode Island §19-14.8-23 fee explainer with a properly sequenced calculator; a New York CPLR 214-i time-barred-debt/nonrevival explainer; a New York CPLR 5231 wage-execution formula tool that requires the user to supply the correct date/location minimum wage rather than hard-coding one; a Maine/New Hampshire/Rhode Island homestead comparison emphasizing lien exceptions; a New Jersey market-access warning explaining the current nonprofit-only DOBI position; and a Vermont small-claims comparison distinguishing the $10,000 ordinary ceiling from the $5,000 consumer-credit/medical ceiling. 1\n\nA broad “Northeast debt-settlement laws ranked” article should be held until Massachusetts licensing, New Jersey fee rules, Vermont consumer fees, Connecticut consumer fees, New York budget-planner applicability, and Pennsylvania Act 118 fees receive the missing primary-source passes. Otherwise a comparison would create false equivalence between verified statutory numbers and unresolved categories.\n\n### Researcher self-check\n\n**Verified in this investigation:** current federal TSR fee-timing rule; Regulation F validation framework; federal canceled-debt/insolvency tax framework; bankruptcy collateral/co-debtor distinctions; Maine licensing fees, consumer fee caps, collector limitation rule and major exemptions; Massachusetts creditor-collection rule and official six-year guidance; New Hampshire debt-adjuster application charges, key limitations, wage provision, homestead and small-claims ceiling; Rhode Island debt-management/settlement fee provisions, major execution exemptions, homestead and the cited interest rule; Vermont debt-adjuster definition/application cost and court judgment/small-claims guidance; New Jersey's current nonprofit-only debt-adjuster licensing position; New York's current three-year/no-revival consumer-credit rule and wage-execution formula plus the proposed—not enacted—status of identified licensing bills; and Pennsylvania's separate debt-management/debt-settlement licensing structure and §5525 four-year limitation framework. 4\n\n**Not verified and therefore not represented as established law:** any universal settlement eligibility percentage or timeline; any universal credit-score drop or recovery period; creditor-specific settlement willingness; issuer-specific arbitration/release terms; general guarantor release; state-law tax exclusions; local licensing outside the verified state material; tribal or territorial applicability; current exemption figures whose statutes require indexing but for which the 2026 adjustment was not captured; and the particular state cells marked unresolved above.\n\n**Status checking performed:** active New York bills were kept separate from current law; Vermont's October 6, 2026 promulgated rule was recognized as future-effective January 1, 2027 rather than applied to the October 22 baseline; agency-page update dates were not treated as statutory effective dates; and Maine's Revisor page extraction date was noted rather than silently equated to the access date. 39\n\n**Evidence handling limitations:** official HTML statutes were preferred. PDFs that would have required visual inspection were not substantively relied upon where a screenshot was not obtained. Search snippets that merely revealed a source but not the operative text were treated as discovery-only. Where a very large official code page could not be opened successfully—most notably Pennsylvania Title 42 and portions of Connecticut/New Hampshire material—the report either used the narrower official extraction actually returned or marked the remaining proposition unresolved rather than reconstructing it from memory. 45\n\n**Overall D030 disposition:** the assignment yields strong publishable modules for Maine, New Hampshire, Rhode Island, Vermont, New Jersey market access, New York limitations/wage enforcement, and Pennsylvania licensing; it does **not** yet support a claim that every requested subtopic in every state has publication-grade primary verification. The matrix and coverage table identify exactly where a second primary-source pass is required, preserving those gaps instead of converting them into unsupported legal conclusions.\n\n","tables":[{"headers":["Jurisdiction","Debt-relief licensing and consumer fees","Collection rules","Limitation / revival","Judgment, wage, bank exemptions","Homestead / secured debt","Court self-help / remedies","Interest status"],"index":0,"links":[],"rows":[["Jurisdiction","Debt-relief licensing and consumer fees","Collection rules","Limitation / revival","Judgment, wage, bank exemptions","Homestead / secured debt","Court self-help / remedies","Interest status"],["Connecticut","Partial. Chapter 669 contains the debt-adjuster regime; §36a-658 is the licensing provision. Search/open extraction confirmed the current chapter and licensing structure, but the exact current consumer-facing fee ceiling was not sufficiently extracted to publish. D030-C010. \n11","Verified in part. Conn. Gen. Stat. §§36a-645–647 prohibit abusive, harassing, fraudulent, deceptive, or misleading consumer-collection practices within their scope. D030-C011. \n12","Partial. Chapter 926 contains Connecticut's limitation provisions and §52-598 governing execution/action involving judgments. Exact consumer-contract accrual and revival consequences were not fully opened, so no universal “X years from charge-off” statement is approved. D030-C012. \n13","Unresolved for publication-level dollar formulas. §§52-352b and 52-361a are the relevant exemption/wage authorities, but current bank and wage figures were not successfully opened in this run.","Partial. Connecticut uses court foreclosure proceedings, but the current mediation/strict-foreclosure/sale rules and repo statute were not sufficiently opened for a full procedural claim.","Unresolved. No Connecticut Judicial Branch self-help page was successfully opened to a publication standard.","Unresolved. §§37-3a/37-3b were identified as relevant but not opened and verified."],["Maine","Verified. Registration under 32 M.R.S. §6173; current statute states application fee may not exceed $800, re-registration fee may not exceed $600, with a $100 late re-registration amount, plus NMLS processing charges. §6174-A caps a one-time consumer setup fee at $75; monthly distribution-plan fee at $40; settlement-intermediary compensation at 15% of the amount each debt is reduced. D030-C013–C014. \n14","Verified. §11012 controls communications; absent contrary knowledge, 8 a.m.–9 p.m. is treated as convenient, and attorney/workplace/third-party rules apply. §11013 bars knowingly or reasonably knowingly initiating time-barred collection actions. D030-C015. \n15","Verified for debt collectors. §11013(8) bars a collection action more than six years after the consumer's last activity unless Maine provides a shorter period; the statute further addresses nonrevival after expiration. D030-C016. \n16","Partial. §4422 was opened and verifies substantial property exemptions; the precise current wage-turnover formula under Title 14 was not reopened, so it is held rather than inferred. D030-C017. \n17","Verified for homestead; foreclosure procedure partial. §4422 protects $80,000 of residence equity generally, $160,000 where minor dependents reside with the debtor, subject to stated joint-interest rules; qualifying medical debt gets special principal-residence protection. Maine foreclosure-diversion PDFs were discovered but not used because they were not screenshot-rendered. D030-C018. \n17","Partial. Court foreclosure-diversion material was found but excluded from evidentiary use for the reason above.","Unresolved. §1602-C was discovered in PDF/search material but not used because the underlying PDF was not screenshot-verified."],["Massachusetts","Unresolved as a specific debt-settlement license/fee regime. The Division of Banks clearly licenses debt collectors, but that is not enough to prove that a negotiation-only debt-settlement provider has the same license. No current primary Massachusetts statute was verified establishing a stand-alone for-profit debt-settlement license and fee cap comparable to Maine/RI. D030-C019. \n18","Verified. M.G.L. c.93, §49 prohibits creditors, creditor attorneys, and assignees collecting natural-person personal/family/household debts from using unfair, deceptive, or unreasonable collection methods; 940 CMR 7 supplies AG collection rules. D030-C020. \n19","Verified in official court guidance; primary revival doctrine partial. Massachusetts' official debt-collection law guide states that consumer-related debt generally has a six-year limitations period and points to M.G.L. c.260, §2. Acknowledgment/new-promise revival details were not independently opened. D030-C021. \n20","Partial. M.G.L. c.246, §§28 et seq. are relevant to attachment exemptions, but current figures were not opened to the required primary-source standard.","Partial. M.G.L. c.188 is the homestead statute; official court/legal guidance was located, but current indexed declared-homestead figures were not verified here. The secured-foreclosure rules in c.244 likewise require a dedicated current pass before publication of timelines. \n21","Verified operational source. Mass.gov supplies debt-collection court resources; small claims filing fees vary with claim amount and the official page reports a $40–$150 filing-fee range. D030-C022. \n22","Unresolved. Do not publish a flat Massachusetts judgment-rate number from D030."],["New Hampshire","Verified as to licensing/application cost. RSA ch.399-D governs debt adjustment; current §399-D:4 requires a $500 nonrefundable application fee for the principal office and $500 for each branch. Exact consumer settlement-fee ceilings under current §399-D:16 were not extracted sufficiently to publish. D030-C023. \n23","Partial. RSA ch.358-C is the state unfair debt-collection framework identified for follow-up, but operative provisions were not opened in this run; federal Regulation F remains separately applicable where its definitions are met.","Verified. RSA 508:4 supplies a three-year period for general personal actions; RSA 508:5 supplies a twenty-year period for debt on judgments, recognizances, and contracts under seal; mortgage-note treatment has a specific rule in §508:6. D030-C024. \n24","Verified wage rule. RSA 512:21 includes trustee-process wage exemptions and, for judgment-based wage process, protects the statutory amount tied to fifty times the federal minimum hourly wage per week. D030-C025. \n25","Verified homestead. RSA 480:1 provides a $400,000 individual homestead; total claimed homesteads in qualifying multi-interest situations are limited to $550,000, with special illness/injury language. Execution procedures in ch.529 require attention to the written homestead claim before sale. D030-C026. \n26","Verified. NH Judicial Branch says small claims are available for claims up to $10,000; using small claims waives any amount above the jurisdictional maximum. D030-C027. \n27","Unresolved. Current statutory judgment-interest formula not opened."],["Rhode Island","Verified. DBR identifies debt collectors and debt-management companies among its licensees. Under R.I. Gen. Laws §19-14.8-23, a covered provider cannot charge before an agreement; a traditional plan may charge up to $50 setup and $10 per remaining creditor per month capped at $50 monthly. Settlement plans have additional statutory ceilings, including settlement compensation tied to savings. D030-C028–C029. \n28","Partial. State licensing is verified; the complete operative Rhode Island collection-conduct chapter was not opened line by line, so no broader state-FDCPA summary is approved beyond DBR's licensing jurisdiction.","Unresolved. R.I. Gen. Laws ch.9-1 was identified as the governing limitation chapter, but the exact debt/judgment revival treatment was not sufficiently opened for publication.","Verified property exemptions; wage formula partial. §9-26-4 includes a $2,000 tools exemption, $9,600 household-property category, $12,000 aggregate motor-vehicle category, $2,000 jewelry category and $500 bank-deposit category; exact interaction of its wage language with federal law requires a separate wage calculation. D030-C030. \n29","Verified. §9-26-4.1 provides an automatic $500,000 homestead, but excludes categories including taxes, certain pre-acquisition debt, purchase debt, support, Medicaid reimbursement, debts to specified regulated institutions, mortgages/voluntary liens, and mechanics' liens. D030-C031. \n30","Partial. General court rules were located only as a PDF and were not relied on because no screenshot rendering was performed.","Verified for the cited civil-judgment provision. §9-21-10 specifies 12% prejudgment and 12% postjudgment interest in the covered pecuniary-damages setting, subject to its contractual and statutory qualifications. It is not safe to describe that as the rate for every debt claim. D030-C032. \n31"],["Vermont","Verified. 8 V.S.A. ch.83 defines “debt adjustment” to include negotiating or controlling distributions and acting as an intermediary to obtain creditor concessions. Current fee schedule shows $250 license fee plus $500 application/investigation fee; DFR describes this as a $750 initial application cost. A $50,000 or greater bond may apply under §2755. Exact consumer fee ceiling was not sufficiently extracted. D030-C033. \n32","Partial. Chapter 83's provider conduct rules are verified—including disclosure and prohibited-activity provisions—but a complete state debt-collector conduct rule separate from debt adjusters was not opened. \n33","Verified operationally. Vermont Judiciary states a judgment is good for eight years and a new small-claims action may be filed before the eight years expire to renew it. The general six-year civil limitation under 12 V.S.A. §511 was identified, but the primary text was not re-opened here. D030-C034. \n34","Partial. Judiciary provides exemption-disclosure forms and explains that exempt income/property can block collection even though it does not prevent entry of the judgment; exact current wage and bank dollar formulas need primary §2740/§3170 verification. D030-C035. \n35","Partial. Vermont homestead and foreclosure provisions were identified but not opened to publication standard.","Verified. General small-claims ceiling is $10,000, while Vermont Judiciary says consumer-credit and medical-debt small claims are limited to $5,000. Collection tools include financial-disclosure hearings and execution procedures. D030-C036. \n34","Unresolved. Current judgment rate not verified."],["New Jersey","Verified and unusually restrictive. DOBI says a debt-adjuster license is required to act for consideration as an intermediary to settle, compound or alter debt terms, or to receive debtor funds for distribution; its current FAQ says only a nonprofit corporation can qualify for that license. Exact current consumer fee limits in N.J.A.C. 3:25 were not extracted sufficiently. D030-C037. \n36","Partial. Debt-adjuster regulation is verified. A comprehensive current New Jersey state collection-conduct rule was not opened; federal FDCPA/Regulation F should not be mislabeled as New Jersey law.","Unresolved at the required primary-source standard. N.J.S.A. 2A:14 provisions were located in the official database, but the specific current text for ordinary contract debt and judgment enforcement did not open reliably. No limitation number is approved for publication from D030. \n37","Partial. NJ Courts states wage execution is available under specified earnings conditions and identifies a $1,000 personal-property designation in post-judgment collection guidance; exact statutory formula/pinpoint was not successfully opened, so those court instructions should not be converted into a generalized statutory formula yet. D030-C038. \n38","Unresolved for general homestead; foreclosure primary text not opened. The Fair Foreclosure Act was identified for a dedicated pass, but D030 does not approve a generalized foreclosure deadline from memory.","Verified operationally. NJ Courts supplies a post-judgment “Collecting Money in a Civil Case” self-help pathway covering wages, bank accounts and property. D030-C039. \n38","Unresolved. NJ postjudgment interest is rule-driven and should be date-specific; no current Rule 4:42-11 calculation was verified."],["New York","Partial and legally important. Current law licenses “budget planners” under the existing banking-law framework, but 2025–26 S3224/A1427 remain active proposals expressly seeking to clarify/expand treatment of debt-settlement/debt-relief companies. They are not current law at the Oct. 22, 2026 baseline. A negotiation-only debt-settlement provider should therefore not be declared licensed or exempt without analyzing the existing definition and business model. D030-C040. \n39","Verified for DFS third-party rules; statewide licensing proposal not enacted in cited source. DFS administers 23 NYCRR 1 for covered third-party collection activity, while the 2025–26 statewide consumer-debt-collector licensing bill was still marked active. D030-C041. \n40","Verified. CPLR 214-i gives a three-year period for covered consumer-credit actions and expressly says that once the period expires, later payment, oral/written affirmation, or other activity does not revive or extend it. Money-judgment actions are listed under CPLR 211's twenty-year category. D030-C042. \n41","Verified wage formula; bank categories verified, current automatic dollar amount held. CPLR 5231 caps an income execution at no more than 10% of gross income and further limits earnings garnishment by the 30-times-minimum-wage and 25%-of-disposable-earnings tests. Article 52 provides bank-account and exempt-payment procedures. D030-C043. \n42","Partial. CPLR 5206's statutory text lists base homestead amounts of $150,000/$125,000/$75,000 by county group, but Article 52 also contains CPLR 5253 cost-of-living adjustments. Those old base figures must not be published as the current 2026 exemption without checking the operative COLA. D030-C044. \n43","Verified. New York Courts provides exemption, consumer-debt defense, default-vacatur and DIY/form resources. Improper service can support vacatur for lack of personal jurisdiction, with the court guidance stating no time limit for that service-based ground. D030-C045. \n44","Unresolved here. CPLR 5004 was not opened, and consumer-debt judgment treatment must not be inferred from the general judgment rate."],["Pennsylvania","Verified licensing categories. DoBS separately administers Debt Management Services Act licensing and Debt Settlement Services Act licensing; applicants/licensees use NMLS. The Debt Settlement Services Act is Act 118 of 2014. Exact current consumer fee formula was not successfully extracted, so it remains a hold. D030-C046. \n9","Partial. Pennsylvania's consumer debt-collection overlay requires a separate primary-source pass on the Fair Credit Extension Uniformity Act before publishing a comprehensive conduct checklist.","Partial. Official Title 42 identifies §5525 as the four-year limitation section; application to a particular account requires accrual, choice-of-law, tolling and cause-of-action analysis. Judgment lien/revival mechanics were not fully verified. D030-C047. \n45","Unresolved at primary-detail level. 42 Pa.C.S. §§8124/8127 were identified as exemption provisions, but current text was not successfully extracted. Do not publish a wage or bank dollar figure from D030.","Partial. Mortgage foreclosure and repossession authorities were identified for follow-up but not opened to the required standard.","Verified operationally. Pennsylvania Courts publishes the civil complaint used before magisterial district judges and states that filing and service costs are charged; exact costs vary rather than being represented here as one statewide number. D030-C048. \n46","Unresolved. No current primary judgment-interest calculation was verified."]]},{"headers":["Issue","Strong comparison supported by D030"],"index":1,"links":[],"rows":[["Issue","Strong comparison supported by D030"],["Settlement-provider fees","Maine measures settlement compensation against debt reduction at 15%; Rhode Island uses a more complex savings-based formula plus setup/monthly limits. \n1"],["Market access","New Jersey's regulator currently says only a nonprofit corporation can receive a debt-adjuster license; Pennsylvania expressly licenses debt-settlement companies; Vermont broadly defines debt adjustment to include concession negotiation. \n54"],["Time-barred debt","Maine provides a specific six-year collector rule with protections against time-barred collection actions; New York gives covered consumer credit three years and expressly eliminates post-expiration revival by payment/affirmation. \n47"],["Homestead","Maine's ordinary qualifying amount is $80,000, potentially $160,000 with minor dependents; NH is $400,000 individually/$550,000 aggregate in the stated context; RI gives an automatic $500,000 but has important creditor/lien exceptions. \n3"],["Small claims","NH: up to $10,000. Vermont: generally $10,000 but $5,000 for consumer-credit/medical-debt small claims. \n27"],["Proposed versus current law","NY's proposed debt-settlement and statewide collector-licensing bills remain proposals in the cited 2025–26 session material; they must not be applied as enacted law. \n39"]]},{"headers":["ID","Source / issuer / direct URL","Pinpoint, version and status","Access / limits"],"index":2,"links":[],"rows":[["ID","Source / issuer / direct URL","Pinpoint, version and status","Access / limits"],["D030-S001","16 C.F.R. §310.4, eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 \n4","§310.4(a)(5); current eCFR; federal, covered telemarketing/debt-relief scope.","Open substantive HTML/search extraction."],["D030-S002","CFPB Regulation F §1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34 \n5","§§1006.34(a), (c); validation notice; current CFPB regulation page.","Open HTML."],["D030-S003","CFPB Regulation F §1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38 \n55","Validation-period disputes/original-creditor requests.","Open HTML."],["D030-S004","IRS Publication 4681 (2025), Canceled Debts, Foreclosures, Repossessions, and Abandonments. https://www.irs.gov/publications/p4681 \n6","Bankruptcy/insolvency and canceled-debt sections; 2025 tax publication, available and checked in 2026.","Open HTML. Tax-year applicability must be checked for later years."],["D030-S005","IRS Form 982 page. https://www.irs.gov/forms-pubs/about-form-982 \n56","Form used for specified §108 exclusions/reduction of tax attributes.","Open HTML."],["D030-S006","U.S. Courts, Chapter 7 Bankruptcy Basics. https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-7-bankruptcy-basics \n7","Secured-creditor rights after discharge/reaffirmation discussion.","Open HTML; official explanatory material, not statute."],["D030-S007","U.S. Courts, Chapter 13 Bankruptcy Basics. https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-13-bankruptcy-basics \n8","Co-debtor stay; 11 U.S.C. §1301 reference.","Open HTML."],["D030-S008","Connecticut General Assembly, Ch. 669 Regulated Activities. https://www.cga.ct.gov/2025/pub/chap_669.htm \n11","§§36a-645–647, 36a-655 et seq., including §36a-658 licensing.","Search extraction; attempted open returned tool error. Consumer fee text not sufficiently extracted."],["D030-S009","Connecticut General Assembly, Ch. 926 Statute of Limitations. https://www.cga.ct.gov/2025/pub/chap_926.htm \n13","Includes §52-598 and other limitation provisions.","Search extraction; later open error. Used only for chapter/judgment framework, not precise account accrual."],["D030-S010","Maine Legislature, 32 M.R.S. §6173. https://legislature.maine.gov/statutes/32/title32sec6173.html \n14","Registration; $800/$600/$100 statutory maxima and NMLS fee language.","Official HTML extraction."],["D030-S011","Maine Legislature, 32 M.R.S. §6174-A. https://legislature.maine.gov/statutes/32/title32sec6174-A.html \n1","Subsections 1–4; $75 setup, $40 monthly, 15% reduction-based settlement fee. Page states extracted 10/20/2025.","Full official HTML returned in search. Check for post-extraction amendments before future-date publication."],["D030-S012","Maine Legislature, 32 M.R.S. §11012. https://legislature.maine.gov/statutes/32/title32sec11012.html \n15","Debt-collector communications, time/place, attorney/workplace/third-party rules.","Official HTML extraction."],["D030-S013","Maine Legislature, 32 M.R.S. §11013. https://legislature.maine.gov/statutes/32/title32sec11013.html \n47","Subsections 7–9; time-barred actions and six-year collector limitation.","Opened HTML; lines 127–130 captured core rule."],["D030-S014","Maine Legislature, 14 M.R.S. §4422. https://www.legislature.maine.gov/statutes/14/title14sec4422.html \n17","§4422(1), (2) etc.; $80k/$160k residence rules; medical-debt residence clause; vehicle and personal-property amounts.","Opened HTML; lines 33–67 and later portions read."],["D030-S015","Massachusetts General Court, M.G.L. c.93 §49. https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXV/Chapter93/Section49 \n57","Collection by creditor/attorney/assignee; consumer purpose; unfair/deceptive/unreasonable practices.","Opened official HTML."],["D030-S016","Massachusetts Trial Court, “Massachusetts law about debt collection.” https://www.mass.gov/info-details/massachusetts-law-about-debt-collection \n58","Updated Oct. 2, 2026; links statutes/regulations; six-year general consumer-debt statement.","Official guidance, not substitute for primary statute where exact wording matters."],["D030-S017","Mass.gov, Massachusetts law about homestead. \n21","M.G.L. c.188 guidance; page updated Mar. 10, 2025 in retrieved result.","Official guidance; current indexed amount not extracted."],["D030-S018","Mass.gov, small claims court. \n22","Official filing guidance; $40–$150 filing-fee range depending claim.","Official operational guidance."],["D030-S019","New Hampshire General Court, RSA ch.399-D. https://gencourt.state.nh.us/rsa/html/XXXVI/399-D/399-D-mrg.htm \n23","§399-D:4 $500 principal-office and branch application fees; chapter covers debt adjustment.","Substantive official extraction; later open errored."],["D030-S020","New Hampshire Banking Department, Debt Adjusters. \n59","NMLS licensing administration.","Official agency page."],["D030-S021","New Hampshire General Court, RSA ch.508. https://gencourt.state.nh.us/rsa/html/LII/508/508-mrg.htm \n24","§508:4 three-year general personal actions; §508:5 twenty-year specified debt/judgment; §508:6 mortgage-note rule.","Official HTML extraction."],["D030-S022","New Hampshire RSA §512:21 / Trustee Process. \n25","Wage/trustee-process exemptions; fifty-times-federal-minimum-wage provision in judgment context.","Official statute extraction."],["D030-S023","New Hampshire RSA §480:1. \n26","$400,000 individual; $550,000 aggregate conditions; illness/injury provision.","Official statute extraction."],["D030-S024","New Hampshire RSA ch.529. \n60","Real-estate levy/homestead notice and sale mechanics.","Official statute extraction."],["D030-S025","New Hampshire Judicial Branch, Small Claims. \n27","$10,000 ceiling and waiver of excess.","Official court guidance."],["D030-S026","Rhode Island DBR, Banking. https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking/banking \n61","Lines 96 onward: licensed categories include debt collectors/debt management; DBR usury role.","Opened official HTML."],["D030-S027","R.I. Gen. Laws §19-14.8-23. https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.8/19-14.8-23.htm \n48","Consumer debt-management/settlement fees; setup, monthly, settlement compensation, dishonored-payment limits.","Opened official HTML."],["D030-S028","R.I. Gen. Laws ch.19-14.8 index. \n62","Registration, application, renewal, bond and fee framework.","Official statute extraction."],["D030-S029","R.I. Gen. Laws §9-26-4. https://webserver.rilegislature.gov/Statutes/TITLE9/9-26/9-26-4.HTM \n29","Execution exemptions; amended through P.L. 2025 chs.26/27, effective June 10, 2025.","Official statute extraction."],["D030-S030","R.I. Gen. Laws §9-26-4.1. https://webserver.rilegislature.gov/Statutes/TITLE9/9-26/9-26-4.1.htm \n30","$500,000 automatic homestead and enumerated exceptions.","Official statute extraction."],["D030-S031","R.I. Gen. Laws §9-21-10. https://webserver.rilegislature.gov/Statutes/TITLE9/9-21/9-21-10.htm \n31","Covered prejudgment/postjudgment interest at 12%, with stated qualifications.","Official statute extraction."],["D030-S032","Vermont Legislature, 8 V.S.A. ch.83. https://legislature.vermont.gov/statutes/fullchapter/08/083 \n63","§2751 et seq.; definition at opened lines around 292; contracts, rescission, cancellation, prohibited conduct elsewhere in chapter.","Opened official HTML, current statutes page."],["D030-S033","Vermont Legislature, Title 8 ch.72 fee schedule. \n64","Debt-adjuster fee: $250 license + $500 application/investigation.","Official statute extraction."],["D030-S034","Vermont DFR, Debt Adjuster. \n65","Agency operational page states $750 initial application.","Official agency guidance."],["D030-S035","Vermont Judiciary, Collecting a Small Claims Judgment. \n34","Judgment good eight years; renewal action before expiration; financial-disclosure/execution process.","Official court guidance."],["D030-S036","Vermont Judiciary, Small Claims — suing/being sued. \n35","$10,000 ordinary ceiling; $5,000 consumer-credit/medical-debt ceiling; exemption explanation.","Official court guidance."],["D030-S037","Vermont Judiciary, rules promulgation page. \n49","Order promulgated Oct. 6, 2026; effective Jan. 1, 2027.","Official page; future-effective, therefore not applied to Oct. 22 baseline."],["D030-S038","NJDOBI, Debt Adjuster License. https://www.nj.gov/dobi/banklicensing/debtadjuster.html \n36","Lines 33+: license required for settlement/intermediary/fund-distribution activities; N.J.S.A. 17:16G-1 et seq.","Opened official agency page."],["D030-S039","NJDOBI, Debt Adjuster License FAQ. https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html \n50","Lines 14–16: definition, nonprofit-only eligibility, exemptions.","Opened official agency page."],["D030-S040","NJDOBI Rule Adoptions. https://www.nj.gov/dobi/adopt.htm \n51","N.J.A.C. 3:25 readoption reference.","Official discovery/search extraction; exact current fee subsection not opened."],["D030-S041","New Jersey Courts, Collecting Money in a Civil Case. https://www.njcourts.gov/self-help/collecting-money-civil \n38","Wage/bank/property collection instructions.","Official court operational guidance."],["D030-S042","NYDFS, Debt Collection FAQ. https://www.dfs.ny.gov/faqs/industry_faqs/debt \n40","23 NYCRR 1 scope and relationship to other collection laws.","Official agency HTML."],["D030-S043","New York CPLR 214-i. https://www.nysenate.gov/legislation/laws/CVP/214-I \n41","Opened lines 52–64: three years; no revival/extension after expiration by payment/affirmation/activity.","Opened official legislative HTML; current revision shown from 2022-04-08."],["D030-S044","New York CPLR Article 2. https://www.nysenate.gov/legislation/laws/CVP/A2 \n66","Current revision shown Dec. 26, 2025; §211 money judgments, §213 contracts, §214-i consumer credit.","Opened official legislative HTML."],["D030-S045","New York CPLR Article 52. https://www.nysenate.gov/legislation/laws/CVP/A52 \n67","§§5205, 5206, 5222-a, 5231, 5240, 5253.","Opened official legislative HTML."],["D030-S046","New York CPLR 5206. https://www.nysenate.gov/legislation/laws/CVP/5206 \n43","Statutory base homestead figures and surplus-sale procedure; base text not sufficient by itself because §5253 adjusts exemptions.","Full official extraction."],["D030-S047","New York CPLR 5231. https://www.nysenate.gov/legislation/laws/CVP/5231 \n42","10% gross cap; minimum-wage floor; 25% disposable cap; modification rights.","Full official extraction."],["D030-S048","New York Courts, Money That Can't Be Taken to Collect a Debt. https://www.nycourts.gov/help/after-case-over/money-cant-be-taken-collect-debt \n44","Court explanation of exempt income and garnishment.","Official court guidance; example wage in page is not treated as a 2026 statewide wage rate."],["D030-S049","New York Courts, Vacating a Default Judgment. https://www.nycourts.gov/help/after-case-over/vacating-default-judgment \n68","Consumer-debt defenses, service/jurisdiction, DIY procedure.","Official court guidance."],["D030-S050","NY Senate 2025-S3224. https://www.nysenate.gov/legislation/bills/2025/S3224 \n39","Active proposal; would clarify budget-planning definition for debt settlement/relief.","Proposal only; not controlling law."],["D030-S051","NY Assembly 2025-A1427. https://www.nysenate.gov/legislation/bills/2025/A1427 \n69","Active proposal for debt-settlement licensing/regulation.","Proposal only; not controlling law."],["D030-S052","NY Senate 2025-S4271A. https://www.nysenate.gov/legislation/bills/2025/S4271 \n10","Active statewide consumer-debt-collector licensing proposal.","Proposal only; not controlling law."],["D030-S053","Pennsylvania DoBS, Non-Bank Licensees. https://www.pa.gov/agencies/dobs/non-bank-licensees \n9","Definitions of debt-management/debt-settlement service; NMLS licensing.","Official agency current page."],["D030-S054","Pennsylvania DoBS, Laws, Acts, and Regulations. https://www.pa.gov/agencies/dobs/statutes \n70","Lines 89–92 link Debt Management Services Act and Debt Settlement Services Act.","Opened official agency index; page itself warns it is not the official statutory copy."],["D030-S055","Pennsylvania General Assembly, 2014 Acts index. \n71","Act 118, Debt Settlement Services Act.","Official legislative extraction."],["D030-S056","Pennsylvania General Assembly, Title 42. https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/42/42.HTM \n45","§5525 four-year limitation section identified.","Search extraction; full-title open exceeded tool size."],["D030-S057","Pennsylvania Courts, Forms for the Public. https://www.pacourts.us/forms/for-the-public \n46","Magisterial district judge civil complaint; filing/service costs.","Official court HTML."],["D030-S058","Pennsylvania DoBS, Debt Management Services Accreditation Providers. https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers \n72","Accreditation/counselor certification requirements under Debt Management Services Act.","Official agency page."]]},{"headers":["Claim ID","Area / precise claim","Primary or official support; conditions and limits"],"index":3,"links":[],"rows":[["Claim ID","Area / precise claim","Primary or official support; conditions and limits"],["D030-C001","A066/federal — Covered telemarketed debt-relief services cannot take the debt-relief fee before satisfying 16 C.F.R. §310.4(a)(5); qualifying account funds must remain consumer-controlled subject to the rule.","D030-S001, §310.4(a)(5). Federal timing rule; does not itself determine state licensing or state fee ceiling. \n4"],["D030-C002","A066/federal — Covered collectors must provide Regulation F validation information and respect validation-period rights.","D030-S002–S003, 12 C.F.R. §§1006.34, 1006.38. Applies to entities/debts within FDCPA/Reg F scope. \n5"],["D030-C003","A066/tax — Canceled debt can be income; bankruptcy/insolvency and other §108 exclusions may apply; Form 982 can be required.","D030-S004–S005. Tax-year and taxpayer-specific analysis required. \n6"],["D030-C004","A066/collateral — Discharge of personal liability does not necessarily eliminate a secured creditor's collateral rights.","D030-S006. Bankruptcy-specific explanatory source; lien treatment outside bankruptcy requires governing secured-debt law. \n7"],["D030-C005","A066/guarantors — Ch.13 can protect qualifying consumer co-debtors under §1301; this is not a general guarantor release.","D030-S007. \n8"],["D030-C006","A066/scope — Consumer statutes cannot automatically be applied to commercial/business debt.","Pennsylvania's regulator expressly defines the settlement category around an individual's personal/family/household debt; NY CPLR 214-i is consumer-credit specific. D030-S043, S053. \n9"],["D030-C007","A066/local/tribal/territorial — No comprehensive local, tribal, or territorial rule set was verified in D030; do not extrapolate the nine-state findings.","Explicit evidence limitation. NY sponsor material is insufficient to verify municipal law. \n10"],["D030-C010","CT — Debt-adjuster licensing is governed in ch.669 and §36a-658 is a licensing provision.","D030-S008. Consumer fee ceiling remains unresolved. \n74"],["D030-C011","CT — §§36a-645–647 contain state restrictions on abusive/harassing/fraudulent/deceptive/misleading collection practices in their statutory scope.","D030-S008. \n12"],["D030-C012","CT — Limitations and judgment-enforcement periods must be distinguished; §52-598 is within ch.926.","D030-S009. Exact consumer-contract accrual/revival not approved from this run. \n13"],["D030-C013","ME — Debt-management registration application ≤$800; re-registration ≤$600; late re-registration $100, plus NMLS charges as applicable.","D030-S010, 32 M.R.S. §6173. \n14"],["D030-C014","ME — Consumer setup ≤$75; distribution-plan monthly ≤$40; settlement intermediary ≤15% of amount debt is reduced.","D030-S011, §6174-A(1)–(3). \n1"],["D030-C015","ME — Debt-collector communication restrictions include 8 a.m.–9 p.m. presumptive convenience and attorney/workplace/third-party rules.","D030-S012, §11012. \n15"],["D030-C016","ME — Debt collector may not commence collection action more than six years after last consumer activity where §11013(8) governs, subject to shorter Maine limitations; time-barred action is prohibited.","D030-S013, §11013(7)–(8). \n47"],["D030-C017","ME — §4422 contains current exemption amounts including $10,000 for one motor vehicle and stated household/jewelry/tool categories.","D030-S014, §4422(2)–(5). \n17"],["D030-C018","ME — Residence equity generally ≤$80,000; ≤$160,000 where minor dependents principally reside, with joint-interest rule; qualifying medical debt receives special principal-residence protection.","D030-S014, §4422(1). \n17"],["D030-C019","MA — A current stand-alone debt-settlement licensing/fee regime for a negotiation-only provider was not verified; debt-collector licensing cannot be substituted for that analysis.","Evidence limitation based on D030-S015–S016 and DOB material. \n18"],["D030-C020","MA — M.G.L. c.93 §49 regulates unfair/deceptive/unreasonable collection by creditor/attorney/assignee of covered consumer debt; 940 CMR 7 supplements it.","D030-S015–S016. \n19"],["D030-C021","MA — Official court guidance states consumer-related debt generally has a six-year limitations period.","D030-S016; points to M.G.L. c.260 §2. Account-level accrual/revival requires more analysis. \n75"],["D030-C022","MA — Official small-claims filing fees reported at $40–$150 depending on claim amount.","D030-S018. Court-fee schedules can change. \n22"],["D030-C023","NH — Debt-adjustment application fee is $500 for principal office and $500 each branch.","D030-S019, RSA 399-D:4. \n23"],["D030-C024","NH — General personal actions: three years under RSA 508:4; specified judgment/sealed debt: twenty years under 508:5.","D030-S021. \n24"],["D030-C025","NH — Trustee-process wage exemption includes judgment-context protection tied to fifty times federal minimum hourly wage per week.","D030-S022, RSA 512:21. \n25"],["D030-C026","NH — Homestead $400,000 individual; qualifying aggregate ceiling $550,000, subject to statute and exceptions.","D030-S023–S024. \n26"],["D030-C027","NH — Small-claims maximum $10,000; excess is waived by choosing that forum.","D030-S025. \n27"],["D030-C028","RI — DBR licenses debt collectors and debt-management companies; UDMA registration framework applies to covered providers.","D030-S026–S028. \n76"],["D030-C029","RI — §19-14.8-23 limits fees: traditional plan $50 setup and $10/remaining creditor monthly ≤$50; settlement plan has separate setup/monthly and ≤30%-of-savings compensation formula with statutory credits.","D030-S027. \n52"],["D030-C030","RI — Execution exemptions include $2,000 tools, $9,600 household category, $12,000 motor vehicles, $2,000 jewelry and $500 bank deposits.","D030-S029, §9-26-4; 2025 amendments noted in source. \n29"],["D030-C031","RI — Automatic homestead is $500,000 with enumerated statutory exceptions including consensual mortgages/voluntary liens.","D030-S030, §9-26-4.1. \n30"],["D030-C032","RI — §9-21-10 uses 12% pre/postjudgment interest for its covered civil pecuniary-damage judgments, subject to exceptions.","D030-S031. Not universalized to every obligation. \n31"],["D030-C033","VT — Debt adjustment includes creditor-concession negotiation; initial licensing charges total $750 ($250+$500); bond provision starts at $50,000.","D030-S032–S034 and 8 V.S.A. §2755. \n32"],["D030-C034","VT — Judiciary states judgments are good eight years and may be renewed by filing before expiry.","D030-S035. \n34"],["D030-C035","VT — Exempt income/property can prevent collection even when a judgment exists; Judiciary supplies exemption/disclosure process.","D030-S035–S036. Exact wage/bank amounts remain hold. \n34"],["D030-C036","VT — Small claims generally ≤$10,000; consumer-credit and medical-debt small claims ≤$5,000.","D030-S036. \n35"],["D030-C037","NJ — Debt-adjuster license covers settlement/intermediary activity; current DOBI FAQ says only nonprofit corporations can qualify.","D030-S038–S039; N.J.S.A. 17:16G-1 et seq. \n36"],["D030-C038","NJ — Court postjudgment guidance covers wage execution and $1,000 personal-property designation; exact statutory formula remains primary-source hold.","D030-S041 and court FAQ. \n38"],["D030-C039","NJ — NJ Courts provides official wage/bank/property judgment-collection self-help.","D030-S041. \n38"],["D030-C040","NY — S3224/A1427 are active proposals, not baseline law; they would expressly regulate debt-settlement/debt-relief activity.","D030-S050–S051. \n39"],["D030-C041","NY — DFS has current third-party collection regulation; statewide debt-collector licensing bill remains a proposal in cited legislative material.","D030-S042, S052. \n40"],["D030-C042","NY — Covered consumer-credit suit period is three years; post-expiration payment/affirmation/activity does not revive or extend it.","D030-S043, CPLR 214-i. \n41"],["D030-C043","NY — Income execution ≤10% gross and subject to 30-times-minimum-wage and 25%-disposable limits plus other qualifications.","D030-S047, CPLR 5231. \n42"],["D030-C044","NY — §5206 shows $150k/$125k/$75k statutory base homestead tiers, but §5253 supplies COLA, so base figures are not approved as current 2026 amounts.","D030-S045–S046. \n43"],["D030-C045","NY — Court self-help identifies consumer-debt defenses and service-based default-vacatur procedure; bad service/lack of jurisdiction can be raised without the ordinary excusable-default time limit described on the page.","D030-S049. \n68"],["D030-C046","PA — DoBS separately licenses debt-management and debt-settlement services through NMLS; Debt Settlement Services Act is Act 118 of 2014.","D030-S053–S055. \n9"],["D030-C047","PA — 42 Pa.C.S. §5525 is the four-year limitation provision; account-level application requires accrual/tolling/choice-of-law analysis.","D030-S056. \n45"],["D030-C048","PA — PA Courts provides the MDJ civil complaint and states filing/service costs apply.","D030-S057. \n46"],["D030-C049","VT/status — Oct. 6, 2026 Judiciary rule order has Jan. 1, 2027 effective date and must not be applied to Oct. 22, 2026 baseline.","D030-S037. \n49"]]},{"headers":["Jurisdiction / boundary","Licensing & fees","Interest","Collection","Limitation / revival","Exemptions","Foreclosure / repo","Courts / remedies","Principal missing evidence / next research action"],"index":4,"links":[],"rows":[["Jurisdiction / boundary","Licensing & fees","Interest","Collection","Limitation / revival","Exemptions","Foreclosure / repo","Courts / remedies","Principal missing evidence / next research action"],["Connecticut","Partial C010","Unresolved","Answered C011","Partial C012","Unresolved current exact formulas","Partial","Unresolved","Open current §§36a-655–663 fee provisions; §§52-352b, 52-361a; §§37-3a/b; Judicial Branch foreclosure/self-help and secured-repo provisions."],["Maine","Answered C013–C014","Unresolved","Answered C015","Answered C016","Answered/Partial C017–C018","Partial","Partial","Open HTML §1602-C and Title 14 wage/foreclosure statutes; screenshot current foreclosure-diversion PDF before using it."],["Massachusetts","Unresolved/Partial C019","Unresolved","Answered C020","Answered/Partial C021","Partial","Partial","Answered C022","Determine exact debt-settlement-provider classification, current homestead indexed figure, c.246 attachment amounts, c.244 foreclosure timelines, judgment interest."],["New Hampshire","Answered/Partial C023","Unresolved","Partial","Answered C024","Answered/Partial C025–C026","Partial","Answered C027","Open current §399-D:16 consumer fee terms; ch.358-C conduct rules; RSA 479:25/repo rules; judgment interest."],["Rhode Island","Answered C028–C029","Answered narrowly C032","Partial","Unresolved","Answered/Partial C030–C031","Partial","Partial","Open ch.9-1 limitations/revival, full wage interaction, foreclosure statutes, and screenshot court-rule PDF if relied upon."],["Vermont","Answered/Partial C033","Unresolved","Partial","Answered/Partial C034","Partial C035","Partial","Answered C036","Open debt-adjuster consumer fee provision, 12 V.S.A. §§2740/3170, 27 V.S.A. homestead, current foreclosure rule before and after Jan. 1, 2027."],["New Jersey","Answered/Partial C037","Unresolved","Partial","Unresolved","Partial C038","Unresolved","Answered C039","Open current N.J.A.C. 3:25 fees; N.J.S.A. 2A:14 limitation text; statutory wage/property exemptions; homestead status; Fair Foreclosure Act; Rule 4:42-11."],["New York","Partial C040","Unresolved","Answered C041","Answered C042","Answered/Partial C043–C044","Partial","Answered C045","Determine existing budget-planner reach to negotiation-only model; obtain current §5253 indexed homestead/bank figures; open CPLR 5004 and RPAPL foreclosure provisions."],["Pennsylvania","Answered/Partial C046","Unresolved","Partial","Answered/Partial C047","Unresolved","Partial","Answered C048","Open Act 118 fee provisions, FCEUA, §§8124/8127, judgment revival/lien rules, Act 6/foreclosure and UCC repo provisions."],["Municipal/local","Unresolved","N/A","Unresolved","Unresolved","Unresolved","Unresolved","Unresolved","Separate municipality-by-municipality research; do not infer NYC/Buffalo or other local requirements from state law or legislative memos."],["Tribal","Excluded from substantive verification / unresolved boundary","Same","Same","Same","Same","Same","Same","Identify tribe, transaction nexus, forum, tribal code, federal Indian-law issues and any compact before making a jurisdiction claim."],["U.S. territories","Excluded from assigned nine-state D030 scope","Same","Same","Same","Same","Same","Same","Territory-specific assignment required; no territorial code was researched here."],["Other 41 states + D.C.","Excluded from D030 assigned jurisdiction list","Same","Same","Same","Same","Same","Same","Covered by other A066 assignments, not silently inferred from Northeast findings."]]}],"claims":[{"claim_id":"D030-C001","area_numbers":[66],"researcher_record":{"Claim ID":"D030-C001","Area / precise claim":"A066/federal — Covered telemarketed debt-relief services cannot take the debt-relief fee before satisfying 16 C.F.R. §310.4(a)(5); qualifying account funds must remain consumer-controlled subject to the rule.","Primary or official support; conditions and limits":"D030-S001, §310.4(a)(5). Federal timing rule; does not itself determine state licensing or state fee ceiling. \n4"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C002","area_numbers":[66],"researcher_record":{"Claim ID":"D030-C002","Area / precise claim":"A066/federal — Covered collectors must provide Regulation F validation information and respect validation-period rights.","Primary or official support; conditions and limits":"D030-S002–S003, 12 C.F.R. §§1006.34, 1006.38. Applies to entities/debts within FDCPA/Reg F scope. \n5"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C003","area_numbers":[66],"researcher_record":{"Claim ID":"D030-C003","Area / precise claim":"A066/tax — Canceled debt can be income; bankruptcy/insolvency and other §108 exclusions may apply; Form 982 can be required.","Primary or official support; conditions and limits":"D030-S004–S005. Tax-year and taxpayer-specific analysis required. \n6"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C004","area_numbers":[66],"researcher_record":{"Claim ID":"D030-C004","Area / precise claim":"A066/collateral — Discharge of personal liability does not necessarily eliminate a secured creditor's collateral rights.","Primary or official support; conditions and limits":"D030-S006. Bankruptcy-specific explanatory source; lien treatment outside bankruptcy requires governing secured-debt law. \n7"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C005","area_numbers":[66],"researcher_record":{"Claim ID":"D030-C005","Area / precise claim":"A066/guarantors — Ch.13 can protect qualifying consumer co-debtors under §1301; this is not a general guarantor release.","Primary or official support; conditions and limits":"D030-S007. \n8"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C006","area_numbers":[66],"researcher_record":{"Claim ID":"D030-C006","Area / precise claim":"A066/scope — Consumer statutes cannot automatically be applied to commercial/business debt.","Primary or official support; conditions and limits":"Pennsylvania's regulator expressly defines the settlement category around an individual's personal/family/household debt; NY CPLR 214-i is consumer-credit specific. D030-S043, S053. \n9"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C007","area_numbers":[66],"researcher_record":{"Claim ID":"D030-C007","Area / precise claim":"A066/local/tribal/territorial — No comprehensive local, tribal, or territorial rule set was verified in D030; do not extrapolate the nine-state findings.","Primary or official support; conditions and limits":"Explicit evidence limitation. NY sponsor material is insufficient to verify municipal law. \n10"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C010","area_numbers":[],"researcher_record":{"Claim ID":"D030-C010","Area / precise claim":"CT — Debt-adjuster licensing is governed in ch.669 and §36a-658 is a licensing provision.","Primary or official support; conditions and limits":"D030-S008. Consumer fee ceiling remains unresolved. \n74"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C011","area_numbers":[],"researcher_record":{"Claim ID":"D030-C011","Area / precise claim":"CT — §§36a-645–647 contain state restrictions on abusive/harassing/fraudulent/deceptive/misleading collection practices in their statutory scope.","Primary or official support; conditions and limits":"D030-S008. \n12"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C012","area_numbers":[],"researcher_record":{"Claim ID":"D030-C012","Area / precise claim":"CT — Limitations and judgment-enforcement periods must be distinguished; §52-598 is within ch.926.","Primary or official support; conditions and limits":"D030-S009. Exact consumer-contract accrual/revival not approved from this run. \n13"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C013","area_numbers":[],"researcher_record":{"Claim ID":"D030-C013","Area / precise claim":"ME — Debt-management registration application ≤$800; re-registration ≤$600; late re-registration $100, plus NMLS charges as applicable.","Primary or official support; conditions and limits":"D030-S010, 32 M.R.S. §6173. \n14"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C014","area_numbers":[],"researcher_record":{"Claim ID":"D030-C014","Area / precise claim":"ME — Consumer setup ≤$75; distribution-plan monthly ≤$40; settlement intermediary ≤15% of amount debt is reduced.","Primary or official support; conditions and limits":"D030-S011, §6174-A(1)–(3). \n1"},"coordinator_verification_status":"scoped_primary_text_supported_with_limits","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","record":"[internal evidence reference]","source_checks":"[internal evidence reference]","source_ids":["D030-S011"],"area_acceptance":false}},{"claim_id":"D030-C015","area_numbers":[],"researcher_record":{"Claim ID":"D030-C015","Area / precise claim":"ME — Debt-collector communication restrictions include 8 a.m.–9 p.m. presumptive convenience and attorney/workplace/third-party rules.","Primary or official support; conditions and limits":"D030-S012, §11012. \n15"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C016","area_numbers":[],"researcher_record":{"Claim ID":"D030-C016","Area / precise claim":"ME — Debt collector may not commence collection action more than six years after last consumer activity where §11013(8) governs, subject to shorter Maine limitations; time-barred action is prohibited.","Primary or official support; conditions and limits":"D030-S013, §11013(7)–(8). \n47"},"coordinator_verification_status":"scoped_primary_text_supported_with_limits","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","record":"[internal evidence reference]","source_checks":"[internal evidence reference]","source_ids":["D030-S013"],"area_acceptance":false}},{"claim_id":"D030-C017","area_numbers":[],"researcher_record":{"Claim ID":"D030-C017","Area / precise claim":"ME — §4422 contains current exemption amounts including $10,000 for one motor vehicle and stated household/jewelry/tool categories.","Primary or official support; conditions and limits":"D030-S014, §4422(2)–(5). \n17"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C018","area_numbers":[],"researcher_record":{"Claim ID":"D030-C018","Area / precise claim":"ME — Residence equity generally ≤$80,000; ≤$160,000 where minor dependents principally reside, with joint-interest rule; qualifying medical debt receives special principal-residence protection.","Primary or official support; conditions and limits":"D030-S014, §4422(1). \n17"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C019","area_numbers":[],"researcher_record":{"Claim ID":"D030-C019","Area / precise claim":"MA — A current stand-alone debt-settlement licensing/fee regime for a negotiation-only provider was not verified; debt-collector licensing cannot be substituted for that analysis.","Primary or official support; conditions and limits":"Evidence limitation based on D030-S015–S016 and DOB material. \n18"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C020","area_numbers":[],"researcher_record":{"Claim ID":"D030-C020","Area / precise claim":"MA — M.G.L. c.93 §49 regulates unfair/deceptive/unreasonable collection by creditor/attorney/assignee of covered consumer debt; 940 CMR 7 supplements it.","Primary or official support; conditions and limits":"D030-S015–S016. \n19"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C021","area_numbers":[],"researcher_record":{"Claim ID":"D030-C021","Area / precise claim":"MA — Official court guidance states consumer-related debt generally has a six-year limitations period.","Primary or official support; conditions and limits":"D030-S016; points to M.G.L. c.260 §2. Account-level accrual/revival requires more analysis. \n75"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C022","area_numbers":[],"researcher_record":{"Claim ID":"D030-C022","Area / precise claim":"MA — Official small-claims filing fees reported at $40–$150 depending on claim amount.","Primary or official support; conditions and limits":"D030-S018. Court-fee schedules can change. \n22"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C023","area_numbers":[],"researcher_record":{"Claim ID":"D030-C023","Area / precise claim":"NH — Debt-adjustment application fee is $500 for principal office and $500 each branch.","Primary or official support; conditions and limits":"D030-S019, RSA 399-D:4. \n23"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C024","area_numbers":[],"researcher_record":{"Claim ID":"D030-C024","Area / precise claim":"NH — General personal actions: three years under RSA 508:4; specified judgment/sealed debt: twenty years under 508:5.","Primary or official support; conditions and limits":"D030-S021. \n24"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C025","area_numbers":[],"researcher_record":{"Claim ID":"D030-C025","Area / precise claim":"NH — Trustee-process wage exemption includes judgment-context protection tied to fifty times federal minimum hourly wage per week.","Primary or official support; conditions and limits":"D030-S022, RSA 512:21. \n25"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C026","area_numbers":[],"researcher_record":{"Claim ID":"D030-C026","Area / precise claim":"NH — Homestead $400,000 individual; qualifying aggregate ceiling $550,000, subject to statute and exceptions.","Primary or official support; conditions and limits":"D030-S023–S024. \n26"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C027","area_numbers":[],"researcher_record":{"Claim ID":"D030-C027","Area / precise claim":"NH — Small-claims maximum $10,000; excess is waived by choosing that forum.","Primary or official support; conditions and limits":"D030-S025. \n27"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C028","area_numbers":[],"researcher_record":{"Claim ID":"D030-C028","Area / precise claim":"RI — DBR licenses debt collectors and debt-management companies; UDMA registration framework applies to covered providers.","Primary or official support; conditions and limits":"D030-S026–S028. \n76"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C029","area_numbers":[],"researcher_record":{"Claim ID":"D030-C029","Area / precise claim":"RI — §19-14.8-23 limits fees: traditional plan $50 setup and $10/remaining creditor monthly ≤$50; settlement plan has separate setup/monthly and ≤30%-of-savings compensation formula with statutory credits.","Primary or official support; conditions and limits":"D030-S027. \n52"},"coordinator_verification_status":"correction_required_current_adjusted_fee_amounts_and_readiness","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","record":"[internal evidence reference]","source_checks":"[internal evidence reference]","source_ids":["D030-S027","coordinator-D030-RI-adjustments"],"area_acceptance":false}},{"claim_id":"D030-C030","area_numbers":[],"researcher_record":{"Claim ID":"D030-C030","Area / precise claim":"RI — Execution exemptions include $2,000 tools, $9,600 household category, $12,000 motor vehicles, $2,000 jewelry and $500 bank deposits.","Primary or official support; conditions and limits":"D030-S029, §9-26-4; 2025 amendments noted in source. \n29"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C031","area_numbers":[],"researcher_record":{"Claim ID":"D030-C031","Area / precise claim":"RI — Automatic homestead is $500,000 with enumerated statutory exceptions including consensual mortgages/voluntary liens.","Primary or official support; conditions and limits":"D030-S030, §9-26-4.1. \n30"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C032","area_numbers":[],"researcher_record":{"Claim ID":"D030-C032","Area / precise claim":"RI — §9-21-10 uses 12% pre/postjudgment interest for its covered civil pecuniary-damage judgments, subject to exceptions.","Primary or official support; conditions and limits":"D030-S031. Not universalized to every obligation. \n31"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C033","area_numbers":[],"researcher_record":{"Claim ID":"D030-C033","Area / precise claim":"VT — Debt adjustment includes creditor-concession negotiation; initial licensing charges total $750 ($250+$500); bond provision starts at $50,000.","Primary or official support; conditions and limits":"D030-S032–S034 and 8 V.S.A. §2755. \n32"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C034","area_numbers":[],"researcher_record":{"Claim ID":"D030-C034","Area / precise claim":"VT — Judiciary states judgments are good eight years and may be renewed by filing before expiry.","Primary or official support; conditions and limits":"D030-S035. \n34"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C035","area_numbers":[],"researcher_record":{"Claim ID":"D030-C035","Area / precise claim":"VT — Exempt income/property can prevent collection even when a judgment exists; Judiciary supplies exemption/disclosure process.","Primary or official support; conditions and limits":"D030-S035–S036. Exact wage/bank amounts remain hold. \n34"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C036","area_numbers":[],"researcher_record":{"Claim ID":"D030-C036","Area / precise claim":"VT — Small claims generally ≤$10,000; consumer-credit and medical-debt small claims ≤$5,000.","Primary or official support; conditions and limits":"D030-S036. \n35"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C037","area_numbers":[],"researcher_record":{"Claim ID":"D030-C037","Area / precise claim":"NJ — Debt-adjuster license covers settlement/intermediary activity; current DOBI FAQ says only nonprofit corporations can qualify.","Primary or official support; conditions and limits":"D030-S038–S039; N.J.S.A. 17:16G-1 et seq. \n36"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C038","area_numbers":[],"researcher_record":{"Claim ID":"D030-C038","Area / precise claim":"NJ — Court postjudgment guidance covers wage execution and $1,000 personal-property designation; exact statutory formula remains primary-source hold.","Primary or official support; conditions and limits":"D030-S041 and court FAQ. \n38"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C039","area_numbers":[],"researcher_record":{"Claim ID":"D030-C039","Area / precise claim":"NJ — NJ Courts provides official wage/bank/property judgment-collection self-help.","Primary or official support; conditions and limits":"D030-S041. \n38"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C040","area_numbers":[142],"researcher_record":{"Claim ID":"D030-C040","Area / precise claim":"NY — S3224/A1427 are active proposals, not baseline law; they would expressly regulate debt-settlement/debt-relief activity.","Primary or official support; conditions and limits":"D030-S050–S051. \n39"},"coordinator_verification_status":"scoped_primary_text_supported_with_limits","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","record":"[internal evidence reference]","source_checks":"[internal evidence reference]","source_ids":["D030-S050","D030-S051"],"area_acceptance":false}},{"claim_id":"D030-C041","area_numbers":[],"researcher_record":{"Claim ID":"D030-C041","Area / precise claim":"NY — DFS has current third-party collection regulation; statewide debt-collector licensing bill remains a proposal in cited legislative material.","Primary or official support; conditions and limits":"D030-S042, S052. \n40"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C042","area_numbers":[],"researcher_record":{"Claim ID":"D030-C042","Area / precise claim":"NY — Covered consumer-credit suit period is three years; post-expiration payment/affirmation/activity does not revive or extend it.","Primary or official support; conditions and limits":"D030-S043, CPLR 214-i. \n41"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C043","area_numbers":[],"researcher_record":{"Claim ID":"D030-C043","Area / precise claim":"NY — Income execution ≤10% gross and subject to 30-times-minimum-wage and 25%-disposable limits plus other qualifications.","Primary or official support; conditions and limits":"D030-S047, CPLR 5231. \n42"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C044","area_numbers":[],"researcher_record":{"Claim ID":"D030-C044","Area / precise claim":"NY — §5206 shows $150k/$125k/$75k statutory base homestead tiers, but §5253 supplies COLA, so base figures are not approved as current 2026 amounts.","Primary or official support; conditions and limits":"D030-S045–S046. \n43"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C045","area_numbers":[],"researcher_record":{"Claim ID":"D030-C045","Area / precise claim":"NY — Court self-help identifies consumer-debt defenses and service-based default-vacatur procedure; bad service/lack of jurisdiction can be raised without the ordinary excusable-default time limit described on the page.","Primary or official support; conditions and limits":"D030-S049. \n68"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C046","area_numbers":[],"researcher_record":{"Claim ID":"D030-C046","Area / precise claim":"PA — DoBS separately licenses debt-management and debt-settlement services through NMLS; Debt Settlement Services Act is Act 118 of 2014.","Primary or official support; conditions and limits":"D030-S053–S055. \n9"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C047","area_numbers":[],"researcher_record":{"Claim ID":"D030-C047","Area / precise claim":"PA — 42 Pa.C.S. §5525 is the four-year limitation provision; account-level application requires accrual/tolling/choice-of-law analysis.","Primary or official support; conditions and limits":"D030-S056. \n45"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C048","area_numbers":[],"researcher_record":{"Claim ID":"D030-C048","Area / precise claim":"PA — PA Courts provides the MDJ civil complaint and states filing/service costs apply.","Primary or official support; conditions and limits":"D030-S057. \n46"},"coordinator_verification_status":"not_yet_checked"},{"claim_id":"D030-C049","area_numbers":[],"researcher_record":{"Claim ID":"D030-C049","Area / precise claim":"VT/status — Oct. 6, 2026 Judiciary rule order has Jan. 1, 2027 effective date and must not be applied to Oct. 22, 2026 baseline.","Primary or official support; conditions and limits":"D030-S037. \n49"},"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"D030-S001","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4"],"researcher_record":{"ID":"D030-S001","Source / issuer / direct URL":"16 C.F.R. §310.4, eCFR. https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 \n4","Pinpoint, version and status":"§310.4(a)(5); current eCFR; federal, covered telemarketing/debt-relief scope.","Access / limits":"Open substantive HTML/search extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S002","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/34"],"researcher_record":{"ID":"D030-S002","Source / issuer / direct URL":"CFPB Regulation F §1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34 \n5","Pinpoint, version and status":"§§1006.34(a), (c); validation notice; current CFPB regulation page.","Access / limits":"Open HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S003","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/38"],"researcher_record":{"ID":"D030-S003","Source / issuer / direct URL":"CFPB Regulation F §1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38 \n55","Pinpoint, version and status":"Validation-period disputes/original-creditor requests.","Access / limits":"Open HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S004","urls":["https://www.irs.gov/publications/p4681"],"researcher_record":{"ID":"D030-S004","Source / issuer / direct URL":"IRS Publication 4681 (2025), Canceled Debts, Foreclosures, Repossessions, and Abandonments. https://www.irs.gov/publications/p4681 \n6","Pinpoint, version and status":"Bankruptcy/insolvency and canceled-debt sections; 2025 tax publication, available and checked in 2026.","Access / limits":"Open HTML. Tax-year applicability must be checked for later years."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S005","urls":["https://www.irs.gov/forms-pubs/about-form-982"],"researcher_record":{"ID":"D030-S005","Source / issuer / direct URL":"IRS Form 982 page. https://www.irs.gov/forms-pubs/about-form-982 \n56","Pinpoint, version and status":"Form used for specified §108 exclusions/reduction of tax attributes.","Access / limits":"Open HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S006","urls":["https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-7-bankruptcy-basics"],"researcher_record":{"ID":"D030-S006","Source / issuer / direct URL":"U.S. Courts, Chapter 7 Bankruptcy Basics. https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-7-bankruptcy-basics \n7","Pinpoint, version and status":"Secured-creditor rights after discharge/reaffirmation discussion.","Access / limits":"Open HTML; official explanatory material, not statute."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S007","urls":["https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-13-bankruptcy-basics"],"researcher_record":{"ID":"D030-S007","Source / issuer / direct URL":"U.S. Courts, Chapter 13 Bankruptcy Basics. https://www.uscourts.gov/court-programs/bankruptcy/bankruptcy-basics/chapter-13-bankruptcy-basics \n8","Pinpoint, version and status":"Co-debtor stay; 11 U.S.C. §1301 reference.","Access / limits":"Open HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S008","urls":["https://www.cga.ct.gov/2025/pub/chap_669.htm"],"researcher_record":{"ID":"D030-S008","Source / issuer / direct URL":"Connecticut General Assembly, Ch. 669 Regulated Activities. https://www.cga.ct.gov/2025/pub/chap_669.htm \n11","Pinpoint, version and status":"§§36a-645–647, 36a-655 et seq., including §36a-658 licensing.","Access / limits":"Search extraction; attempted open returned tool error. Consumer fee text not sufficiently extracted."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S009","urls":["https://www.cga.ct.gov/2025/pub/chap_926.htm"],"researcher_record":{"ID":"D030-S009","Source / issuer / direct URL":"Connecticut General Assembly, Ch. 926 Statute of Limitations. https://www.cga.ct.gov/2025/pub/chap_926.htm \n13","Pinpoint, version and status":"Includes §52-598 and other limitation provisions.","Access / limits":"Search extraction; later open error. Used only for chapter/judgment framework, not precise account accrual."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S010","urls":["https://legislature.maine.gov/statutes/32/title32sec6173.html"],"researcher_record":{"ID":"D030-S010","Source / issuer / direct URL":"Maine Legislature, 32 M.R.S. §6173. https://legislature.maine.gov/statutes/32/title32sec6173.html \n14","Pinpoint, version and status":"Registration; $800/$600/$100 statutory maxima and NMLS fee language.","Access / limits":"Official HTML extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S011","urls":["https://legislature.maine.gov/statutes/32/title32sec6174-A.html"],"researcher_record":{"ID":"D030-S011","Source / issuer / direct URL":"Maine Legislature, 32 M.R.S. §6174-A. https://legislature.maine.gov/statutes/32/title32sec6174-A.html \n1","Pinpoint, version and status":"Subsections 1–4; $75 setup, $40 monthly, 15% reduction-based settlement fee. Page states extracted 10/20/2025.","Access / limits":"Full official HTML returned in search. Check for post-extraction amendments before future-date publication."},"coordinator_verification_status":"selected_primary_passages_checked_with_limits","coordinator_check":{"checked_at":"2026-10-22T23:31:59.381506+00:00","record":"[internal evidence reference]","pinpoints":["6174-A(1)-(4); extraction footer10/05/2026"]},"coordinator_metadata_note":"Current opened page footer extracted10/05/2026; researcher/raw2025metadata retained."},{"source_id":"D030-S012","urls":["https://legislature.maine.gov/statutes/32/title32sec11012.html"],"researcher_record":{"ID":"D030-S012","Source / issuer / direct URL":"Maine Legislature, 32 M.R.S. §11012. https://legislature.maine.gov/statutes/32/title32sec11012.html \n15","Pinpoint, version and status":"Debt-collector communications, time/place, attorney/workplace/third-party rules.","Access / limits":"Official HTML extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S013","urls":["https://legislature.maine.gov/statutes/32/title32sec11013.html"],"researcher_record":{"ID":"D030-S013","Source / issuer / direct URL":"Maine Legislature, 32 M.R.S. §11013. https://legislature.maine.gov/statutes/32/title32sec11013.html \n47","Pinpoint, version and status":"Subsections 7–9; time-barred actions and six-year collector limitation.","Access / limits":"Opened HTML; lines 127–130 captured core rule."},"coordinator_verification_status":"selected_primary_passages_checked_with_limits","coordinator_check":{"checked_at":"2026-10-22T23:31:59.381506+00:00","record":"[internal evidence reference]","pinpoints":["11013(6)-(8), related(9)-(13); extraction10/05/2026"]}},{"source_id":"D030-S014","urls":["https://www.legislature.maine.gov/statutes/14/title14sec4422.html"],"researcher_record":{"ID":"D030-S014","Source / issuer / direct URL":"Maine Legislature, 14 M.R.S. §4422. https://www.legislature.maine.gov/statutes/14/title14sec4422.html \n17","Pinpoint, version and status":"§4422(1), (2) etc.; $80k/$160k residence rules; medical-debt residence clause; vehicle and personal-property amounts.","Access / limits":"Opened HTML; lines 33–67 and later portions read."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S015","urls":["https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXV/Chapter93/Section49"],"researcher_record":{"ID":"D030-S015","Source / issuer / direct URL":"Massachusetts General Court, M.G.L. c.93 §49. https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXV/Chapter93/Section49 \n57","Pinpoint, version and status":"Collection by creditor/attorney/assignee; consumer purpose; unfair/deceptive/unreasonable practices.","Access / limits":"Opened official HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S016","urls":["https://www.mass.gov/info-details/massachusetts-law-about-debt-collection"],"researcher_record":{"ID":"D030-S016","Source / issuer / direct URL":"Massachusetts Trial Court, “Massachusetts law about debt collection.” https://www.mass.gov/info-details/massachusetts-law-about-debt-collection \n58","Pinpoint, version and status":"Updated Oct. 2, 2026; links statutes/regulations; six-year general consumer-debt statement.","Access / limits":"Official guidance, not substitute for primary statute where exact wording matters."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S017","urls":[],"researcher_record":{"ID":"D030-S017","Source / issuer / direct URL":"Mass.gov, Massachusetts law about homestead. \n21","Pinpoint, version and status":"M.G.L. c.188 guidance; page updated Mar. 10, 2025 in retrieved result.","Access / limits":"Official guidance; current indexed amount not extracted."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S018","urls":[],"researcher_record":{"ID":"D030-S018","Source / issuer / direct URL":"Mass.gov, small claims court. \n22","Pinpoint, version and status":"Official filing guidance; $40–$150 filing-fee range depending claim.","Access / limits":"Official operational guidance."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S019","urls":["https://gencourt.state.nh.us/rsa/html/XXXVI/399-D/399-D-mrg.htm"],"researcher_record":{"ID":"D030-S019","Source / issuer / direct URL":"New Hampshire General Court, RSA ch.399-D. https://gencourt.state.nh.us/rsa/html/XXXVI/399-D/399-D-mrg.htm \n23","Pinpoint, version and status":"§399-D:4 $500 principal-office and branch application fees; chapter covers debt adjustment.","Access / limits":"Substantive official extraction; later open errored."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S020","urls":[],"researcher_record":{"ID":"D030-S020","Source / issuer / direct URL":"New Hampshire Banking Department, Debt Adjusters. \n59","Pinpoint, version and status":"NMLS licensing administration.","Access / limits":"Official agency page."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S021","urls":["https://gencourt.state.nh.us/rsa/html/LII/508/508-mrg.htm"],"researcher_record":{"ID":"D030-S021","Source / issuer / direct URL":"New Hampshire General Court, RSA ch.508. https://gencourt.state.nh.us/rsa/html/LII/508/508-mrg.htm \n24","Pinpoint, version and status":"§508:4 three-year general personal actions; §508:5 twenty-year specified debt/judgment; §508:6 mortgage-note rule.","Access / limits":"Official HTML extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S022","urls":[],"researcher_record":{"ID":"D030-S022","Source / issuer / direct URL":"New Hampshire RSA §512:21 / Trustee Process. \n25","Pinpoint, version and status":"Wage/trustee-process exemptions; fifty-times-federal-minimum-wage provision in judgment context.","Access / limits":"Official statute extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S023","urls":[],"researcher_record":{"ID":"D030-S023","Source / issuer / direct URL":"New Hampshire RSA §480:1. \n26","Pinpoint, version and status":"$400,000 individual; $550,000 aggregate conditions; illness/injury provision.","Access / limits":"Official statute extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S024","urls":[],"researcher_record":{"ID":"D030-S024","Source / issuer / direct URL":"New Hampshire RSA ch.529. \n60","Pinpoint, version and status":"Real-estate levy/homestead notice and sale mechanics.","Access / limits":"Official statute extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S025","urls":[],"researcher_record":{"ID":"D030-S025","Source / issuer / direct URL":"New Hampshire Judicial Branch, Small Claims. \n27","Pinpoint, version and status":"$10,000 ceiling and waiver of excess.","Access / limits":"Official court guidance."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S026","urls":["https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking/banking"],"researcher_record":{"ID":"D030-S026","Source / issuer / direct URL":"Rhode Island DBR, Banking. https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking/banking \n61","Pinpoint, version and status":"Lines 96 onward: licensed categories include debt collectors/debt management; DBR usury role.","Access / limits":"Opened official HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S027","urls":["https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.8/19-14.8-23.htm"],"researcher_record":{"ID":"D030-S027","Source / issuer / direct URL":"R.I. Gen. Laws §19-14.8-23. https://webserver.rilegislature.gov/Statutes/TITLE19/19-14.8/19-14.8-23.htm \n48","Pinpoint, version and status":"Consumer debt-management/settlement fees; setup, monthly, settlement compensation, dishonored-payment limits.","Access / limits":"Opened official HTML."},"coordinator_verification_status":"selected_primary_passages_checked_with_limits","coordinator_check":{"checked_at":"2026-10-22T23:31:59.381506+00:00","record":"[internal evidence reference]","pinpoints":["19-14.8-23(b),(d),(f),(g)"]}},{"source_id":"D030-S028","urls":[],"researcher_record":{"ID":"D030-S028","Source / issuer / direct URL":"R.I. Gen. Laws ch.19-14.8 index. \n62","Pinpoint, version and status":"Registration, application, renewal, bond and fee framework.","Access / limits":"Official statute extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S029","urls":["https://webserver.rilegislature.gov/Statutes/TITLE9/9-26/9-26-4.HTM"],"researcher_record":{"ID":"D030-S029","Source / issuer / direct URL":"R.I. Gen. Laws §9-26-4. https://webserver.rilegislature.gov/Statutes/TITLE9/9-26/9-26-4.HTM \n29","Pinpoint, version and status":"Execution exemptions; amended through P.L. 2025 chs.26/27, effective June 10, 2025.","Access / limits":"Official statute extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S030","urls":["https://webserver.rilegislature.gov/Statutes/TITLE9/9-26/9-26-4.1.htm"],"researcher_record":{"ID":"D030-S030","Source / issuer / direct URL":"R.I. Gen. Laws §9-26-4.1. https://webserver.rilegislature.gov/Statutes/TITLE9/9-26/9-26-4.1.htm \n30","Pinpoint, version and status":"$500,000 automatic homestead and enumerated exceptions.","Access / limits":"Official statute extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S031","urls":["https://webserver.rilegislature.gov/Statutes/TITLE9/9-21/9-21-10.htm"],"researcher_record":{"ID":"D030-S031","Source / issuer / direct URL":"R.I. Gen. Laws §9-21-10. https://webserver.rilegislature.gov/Statutes/TITLE9/9-21/9-21-10.htm \n31","Pinpoint, version and status":"Covered prejudgment/postjudgment interest at 12%, with stated qualifications.","Access / limits":"Official statute extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S032","urls":["https://legislature.vermont.gov/statutes/fullchapter/08/083"],"researcher_record":{"ID":"D030-S032","Source / issuer / direct URL":"Vermont Legislature, 8 V.S.A. ch.83. https://legislature.vermont.gov/statutes/fullchapter/08/083 \n63","Pinpoint, version and status":"§2751 et seq.; definition at opened lines around 292; contracts, rescission, cancellation, prohibited conduct elsewhere in chapter.","Access / limits":"Opened official HTML, current statutes page."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S033","urls":[],"researcher_record":{"ID":"D030-S033","Source / issuer / direct URL":"Vermont Legislature, Title 8 ch.72 fee schedule. \n64","Pinpoint, version and status":"Debt-adjuster fee: $250 license + $500 application/investigation.","Access / limits":"Official statute extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S034","urls":[],"researcher_record":{"ID":"D030-S034","Source / issuer / direct URL":"Vermont DFR, Debt Adjuster. \n65","Pinpoint, version and status":"Agency operational page states $750 initial application.","Access / limits":"Official agency guidance."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S035","urls":[],"researcher_record":{"ID":"D030-S035","Source / issuer / direct URL":"Vermont Judiciary, Collecting a Small Claims Judgment. \n34","Pinpoint, version and status":"Judgment good eight years; renewal action before expiration; financial-disclosure/execution process.","Access / limits":"Official court guidance."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S036","urls":[],"researcher_record":{"ID":"D030-S036","Source / issuer / direct URL":"Vermont Judiciary, Small Claims — suing/being sued. \n35","Pinpoint, version and status":"$10,000 ordinary ceiling; $5,000 consumer-credit/medical-debt ceiling; exemption explanation.","Access / limits":"Official court guidance."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S037","urls":[],"researcher_record":{"ID":"D030-S037","Source / issuer / direct URL":"Vermont Judiciary, rules promulgation page. \n49","Pinpoint, version and status":"Order promulgated Oct. 6, 2026; effective Jan. 1, 2027.","Access / limits":"Official page; future-effective, therefore not applied to Oct. 22 baseline."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S038","urls":["https://www.nj.gov/dobi/banklicensing/debtadjuster.html"],"researcher_record":{"ID":"D030-S038","Source / issuer / direct URL":"NJDOBI, Debt Adjuster License. https://www.nj.gov/dobi/banklicensing/debtadjuster.html \n36","Pinpoint, version and status":"Lines 33+: license required for settlement/intermediary/fund-distribution activities; N.J.S.A. 17:16G-1 et seq.","Access / limits":"Opened official agency page."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S039","urls":["https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html"],"researcher_record":{"ID":"D030-S039","Source / issuer / direct URL":"NJDOBI, Debt Adjuster License FAQ. https://www.nj.gov/dobi/banklicensing/debtadjusterfaq.html \n50","Pinpoint, version and status":"Lines 14–16: definition, nonprofit-only eligibility, exemptions.","Access / limits":"Opened official agency page."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S040","urls":["https://www.nj.gov/dobi/adopt.htm"],"researcher_record":{"ID":"D030-S040","Source / issuer / direct URL":"NJDOBI Rule Adoptions. https://www.nj.gov/dobi/adopt.htm \n51","Pinpoint, version and status":"N.J.A.C. 3:25 readoption reference.","Access / limits":"Official discovery/search extraction; exact current fee subsection not opened."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S041","urls":["https://www.njcourts.gov/self-help/collecting-money-civil"],"researcher_record":{"ID":"D030-S041","Source / issuer / direct URL":"New Jersey Courts, Collecting Money in a Civil Case. https://www.njcourts.gov/self-help/collecting-money-civil \n38","Pinpoint, version and status":"Wage/bank/property collection instructions.","Access / limits":"Official court operational guidance."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S042","urls":["https://www.dfs.ny.gov/faqs/industry_faqs/debt"],"researcher_record":{"ID":"D030-S042","Source / issuer / direct URL":"NYDFS, Debt Collection FAQ. https://www.dfs.ny.gov/faqs/industry_faqs/debt \n40","Pinpoint, version and status":"23 NYCRR 1 scope and relationship to other collection laws.","Access / limits":"Official agency HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S043","urls":["https://www.nysenate.gov/legislation/laws/CVP/214-I"],"researcher_record":{"ID":"D030-S043","Source / issuer / direct URL":"New York CPLR 214-i. https://www.nysenate.gov/legislation/laws/CVP/214-I \n41","Pinpoint, version and status":"Opened lines 52–64: three years; no revival/extension after expiration by payment/affirmation/activity.","Access / limits":"Opened official legislative HTML; current revision shown from 2022-04-08."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S044","urls":["https://www.nysenate.gov/legislation/laws/CVP/A2"],"researcher_record":{"ID":"D030-S044","Source / issuer / direct URL":"New York CPLR Article 2. https://www.nysenate.gov/legislation/laws/CVP/A2 \n66","Pinpoint, version and status":"Current revision shown Dec. 26, 2025; §211 money judgments, §213 contracts, §214-i consumer credit.","Access / limits":"Opened official legislative HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S045","urls":["https://www.nysenate.gov/legislation/laws/CVP/A52"],"researcher_record":{"ID":"D030-S045","Source / issuer / direct URL":"New York CPLR Article 52. https://www.nysenate.gov/legislation/laws/CVP/A52 \n67","Pinpoint, version and status":"§§5205, 5206, 5222-a, 5231, 5240, 5253.","Access / limits":"Opened official legislative HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S046","urls":["https://www.nysenate.gov/legislation/laws/CVP/5206"],"researcher_record":{"ID":"D030-S046","Source / issuer / direct URL":"New York CPLR 5206. https://www.nysenate.gov/legislation/laws/CVP/5206 \n43","Pinpoint, version and status":"Statutory base homestead figures and surplus-sale procedure; base text not sufficient by itself because §5253 adjusts exemptions.","Access / limits":"Full official extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S047","urls":["https://www.nysenate.gov/legislation/laws/CVP/5231"],"researcher_record":{"ID":"D030-S047","Source / issuer / direct URL":"New York CPLR 5231. https://www.nysenate.gov/legislation/laws/CVP/5231 \n42","Pinpoint, version and status":"10% gross cap; minimum-wage floor; 25% disposable cap; modification rights.","Access / limits":"Full official extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S048","urls":["https://www.nycourts.gov/help/after-case-over/money-cant-be-taken-collect-debt"],"researcher_record":{"ID":"D030-S048","Source / issuer / direct URL":"New York Courts, Money That Can't Be Taken to Collect a Debt. https://www.nycourts.gov/help/after-case-over/money-cant-be-taken-collect-debt \n44","Pinpoint, version and status":"Court explanation of exempt income and garnishment.","Access / limits":"Official court guidance; example wage in page is not treated as a 2026 statewide wage rate."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S049","urls":["https://www.nycourts.gov/help/after-case-over/vacating-default-judgment"],"researcher_record":{"ID":"D030-S049","Source / issuer / direct URL":"New York Courts, Vacating a Default Judgment. https://www.nycourts.gov/help/after-case-over/vacating-default-judgment \n68","Pinpoint, version and status":"Consumer-debt defenses, service/jurisdiction, DIY procedure.","Access / limits":"Official court guidance."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S050","urls":["https://www.nysenate.gov/legislation/bills/2025/S3224"],"researcher_record":{"ID":"D030-S050","Source / issuer / direct URL":"NY Senate 2025-S3224. https://www.nysenate.gov/legislation/bills/2025/S3224 \n39","Pinpoint, version and status":"Active proposal; would clarify budget-planning definition for debt settlement/relief.","Access / limits":"Proposal only; not controlling law."},"coordinator_verification_status":"selected_primary_passages_checked_with_limits","coordinator_check":{"checked_at":"2026-10-22T23:31:59.381506+00:00","record":"[internal evidence reference]","pinpoints":["Current Bill Status;2026actions;active bill text summary"]}},{"source_id":"D030-S051","urls":["https://www.nysenate.gov/legislation/bills/2025/A1427"],"researcher_record":{"ID":"D030-S051","Source / issuer / direct URL":"NY Assembly 2025-A1427. https://www.nysenate.gov/legislation/bills/2025/A1427 \n69","Pinpoint, version and status":"Active proposal for debt-settlement licensing/regulation.","Access / limits":"Proposal only; not controlling law."},"coordinator_verification_status":"selected_primary_passages_checked_with_limits","coordinator_check":{"checked_at":"2026-10-22T23:31:59.381506+00:00","record":"[internal evidence reference]","pinpoints":["Current Bill Status;2026actions;active summary"]}},{"source_id":"D030-S052","urls":["https://www.nysenate.gov/legislation/bills/2025/S4271"],"researcher_record":{"ID":"D030-S052","Source / issuer / direct URL":"NY Senate 2025-S4271A. https://www.nysenate.gov/legislation/bills/2025/S4271 \n10","Pinpoint, version and status":"Active statewide consumer-debt-collector licensing proposal.","Access / limits":"Proposal only; not controlling law."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S053","urls":["https://www.pa.gov/agencies/dobs/non-bank-licensees"],"researcher_record":{"ID":"D030-S053","Source / issuer / direct URL":"Pennsylvania DoBS, Non-Bank Licensees. https://www.pa.gov/agencies/dobs/non-bank-licensees \n9","Pinpoint, version and status":"Definitions of debt-management/debt-settlement service; NMLS licensing.","Access / limits":"Official agency current page."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S054","urls":["https://www.pa.gov/agencies/dobs/statutes"],"researcher_record":{"ID":"D030-S054","Source / issuer / direct URL":"Pennsylvania DoBS, Laws, Acts, and Regulations. https://www.pa.gov/agencies/dobs/statutes \n70","Pinpoint, version and status":"Lines 89–92 link Debt Management Services Act and Debt Settlement Services Act.","Access / limits":"Opened official agency index; page itself warns it is not the official statutory copy."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S055","urls":[],"researcher_record":{"ID":"D030-S055","Source / issuer / direct URL":"Pennsylvania General Assembly, 2014 Acts index. \n71","Pinpoint, version and status":"Act 118, Debt Settlement Services Act.","Access / limits":"Official legislative extraction."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S056","urls":["https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/42/42.HTM"],"researcher_record":{"ID":"D030-S056","Source / issuer / direct URL":"Pennsylvania General Assembly, Title 42. https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/42/42.HTM \n45","Pinpoint, version and status":"§5525 four-year limitation section identified.","Access / limits":"Search extraction; full-title open exceeded tool size."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S057","urls":["https://www.pacourts.us/forms/for-the-public"],"researcher_record":{"ID":"D030-S057","Source / issuer / direct URL":"Pennsylvania Courts, Forms for the Public. https://www.pacourts.us/forms/for-the-public \n46","Pinpoint, version and status":"Magisterial district judge civil complaint; filing/service costs.","Access / limits":"Official court HTML."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"D030-S058","urls":["https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers"],"researcher_record":{"ID":"D030-S058","Source / issuer / direct URL":"Pennsylvania DoBS, Debt Management Services Accreditation Providers. https://www.pa.gov/agencies/dobs/non-bank-licensees/debt-management-services-accreditation-providers \n72","Pinpoint, version and status":"Accreditation/counselor certification requirements under Debt Management Services Act.","Access / limits":"Official agency page."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"Connecticut","researcher_record":{"Jurisdiction / boundary":"Connecticut","Licensing & fees":"Partial C010","Interest":"Unresolved","Collection":"Answered C011","Limitation / revival":"Partial C012","Exemptions":"Unresolved current exact formulas","Foreclosure / repo":"Partial","Courts / remedies":"Unresolved","Principal missing evidence / next research action":"Open current §§36a-655–663 fee provisions; §§52-352b, 52-361a; §§37-3a/b; Judicial Branch foreclosure/self-help and secured-repo provisions."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":"S_CT","limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"Maine","researcher_record":{"Jurisdiction / boundary":"Maine","Licensing & fees":"Answered C013–C014","Interest":"Unresolved","Collection":"Answered C015","Limitation / revival":"Answered C016","Exemptions":"Answered/Partial C017–C018","Foreclosure / repo":"Partial","Courts / remedies":"Partial","Principal missing evidence / next research action":"Open HTML §1602-C and Title 14 wage/foreclosure statutes; screenshot current foreclosure-diversion PDF before using it."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":"S_ME","limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"Massachusetts","researcher_record":{"Jurisdiction / boundary":"Massachusetts","Licensing & fees":"Unresolved/Partial C019","Interest":"Unresolved","Collection":"Answered C020","Limitation / revival":"Answered/Partial C021","Exemptions":"Partial","Foreclosure / repo":"Partial","Courts / remedies":"Answered C022","Principal missing evidence / next research action":"Determine exact debt-settlement-provider classification, current homestead indexed figure, c.246 attachment amounts, c.244 foreclosure timelines, judgment interest."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":"S_MA","limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"New Hampshire","researcher_record":{"Jurisdiction / boundary":"New Hampshire","Licensing & fees":"Answered/Partial C023","Interest":"Unresolved","Collection":"Partial","Limitation / revival":"Answered C024","Exemptions":"Answered/Partial C025–C026","Foreclosure / repo":"Partial","Courts / remedies":"Answered C027","Principal missing evidence / next research action":"Open current §399-D:16 consumer fee terms; ch.358-C conduct rules; RSA 479:25/repo rules; judgment interest."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":"S_NH","limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"Rhode Island","researcher_record":{"Jurisdiction / boundary":"Rhode Island","Licensing & fees":"Answered C028–C029","Interest":"Answered narrowly C032","Collection":"Partial","Limitation / revival":"Unresolved","Exemptions":"Answered/Partial C030–C031","Foreclosure / repo":"Partial","Courts / remedies":"Partial","Principal missing evidence / next research action":"Open ch.9-1 limitations/revival, full wage interaction, foreclosure statutes, and screenshot court-rule PDF if relied upon."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":"S_RI","limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"Vermont","researcher_record":{"Jurisdiction / boundary":"Vermont","Licensing & fees":"Answered/Partial C033","Interest":"Unresolved","Collection":"Partial","Limitation / revival":"Answered/Partial C034","Exemptions":"Partial C035","Foreclosure / repo":"Partial","Courts / remedies":"Answered C036","Principal missing evidence / next research action":"Open debt-adjuster consumer fee provision, 12 V.S.A. §§2740/3170, 27 V.S.A. homestead, current foreclosure rule before and after Jan. 1, 2027."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":"S_VT","limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"New Jersey","researcher_record":{"Jurisdiction / boundary":"New Jersey","Licensing & fees":"Answered/Partial C037","Interest":"Unresolved","Collection":"Partial","Limitation / revival":"Unresolved","Exemptions":"Partial C038","Foreclosure / repo":"Unresolved","Courts / remedies":"Answered C039","Principal missing evidence / next research action":"Open current N.J.A.C. 3:25 fees; N.J.S.A. 2A:14 limitation text; statutory wage/property exemptions; homestead status; Fair Foreclosure Act; Rule 4:42-11."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":"S_NJ","limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"New York","researcher_record":{"Jurisdiction / boundary":"New York","Licensing & fees":"Partial C040","Interest":"Unresolved","Collection":"Answered C041","Limitation / revival":"Answered C042","Exemptions":"Answered/Partial C043–C044","Foreclosure / repo":"Partial","Courts / remedies":"Answered C045","Principal missing evidence / next research action":"Determine existing budget-planner reach to negotiation-only model; obtain current §5253 indexed homestead/bank figures; open CPLR 5004 and RPAPL foreclosure provisions."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":"S_NY","limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"Pennsylvania","researcher_record":{"Jurisdiction / boundary":"Pennsylvania","Licensing & fees":"Answered/Partial C046","Interest":"Unresolved","Collection":"Partial","Limitation / revival":"Answered/Partial C047","Exemptions":"Unresolved","Foreclosure / repo":"Partial","Courts / remedies":"Answered C048","Principal missing evidence / next research action":"Open Act 118 fee provisions, FCEUA, §§8124/8127, judgment revival/lien rules, Act 6/foreclosure and UCC repo provisions."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":"S_PA","limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"Municipal/local","researcher_record":{"Jurisdiction / boundary":"Municipal/local","Licensing & fees":"Unresolved","Interest":"N/A","Collection":"Unresolved","Limitation / revival":"Unresolved","Exemptions":"Unresolved","Foreclosure / repo":"Unresolved","Courts / remedies":"Unresolved","Principal missing evidence / next research action":"Separate municipality-by-municipality research; do not infer NYC/Buffalo or other local requirements from state law or legislative memos."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":null,"limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"Tribal","researcher_record":{"Jurisdiction / boundary":"Tribal","Licensing & fees":"Excluded from substantive verification / unresolved boundary","Interest":"Same","Collection":"Same","Limitation / revival":"Same","Exemptions":"Same","Foreclosure / repo":"Same","Courts / remedies":"Same","Principal missing evidence / next research action":"Identify tribe, transaction nexus, forum, tribal code, federal Indian-law issues and any compact before making a jurisdiction claim."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":null,"limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"U.S. territories","researcher_record":{"Jurisdiction / boundary":"U.S. territories","Licensing & fees":"Excluded from assigned nine-state D030 scope","Interest":"Same","Collection":"Same","Limitation / revival":"Same","Exemptions":"Same","Foreclosure / repo":"Same","Courts / remedies":"Same","Principal missing evidence / next research action":"Territory-specific assignment required; no territorial code was researched here."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":null,"limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}},{"topic":"Other 41 states + D.C.","researcher_record":{"Jurisdiction / boundary":"Other 41 states + D.C.","Licensing & fees":"Excluded from D030 assigned jurisdiction list","Interest":"Same","Collection":"Same","Limitation / revival":"Same","Exemptions":"Same","Foreclosure / repo":"Same","Courts / remedies":"Same","Principal missing evidence / next research action":"Covered by other A066 assignments, not silently inferred from Northeast findings."},"coordinator_acceptance":"partial_overview_only_no_state_or_A066_acceptance","coordinator_review":{"checked_at":"2026-10-22T23:31:59.381506+00:00","review":"[internal evidence reference]","state_task":null,"limits":"Selected textual checks only; original answered cells are researcher labels. Detailed subcell audit preserves all unclosed state questions."}}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}