New Mexico has not enacted a separate state law containing protections beyond those of the FDCPA. The New Mexico state debt collection law requires all debt collectors to obtain a state license and pay a fee. The Act does not, however, provide a private remedy, and it appears that the New Mexico courts would not allow a consumer to bring a lawsuit for a violation of the Act. Thus, New Mexico residents faced with abusive or harassing collection tactics will receive the most protection and benefit from the FDCPA.
If you believe that a collector has behaved inappropriately while attempting to collect a debt from you in New Mexico, our attorneys can help you to determine whether the FDCPA provides you with a legal remedy.
To learn more about the FDPCA, go to Federal Debt Collection Practices Act.
Annotated Code of New Mexico, Chapter 61, Article 18A (61-18A).