VERMONT INTEREST RATE - Legal: 12% Judgment: 12%   STATUTE OF LIMITATIONS (IN YEARS) - Retail Security Agreements: 4 Witnessed Promissory Note: 14 Open Acct.: 6 Written Contract: 6 Domestic Judgment: 8 Foreign Judgment: 8 BAD CHECK LAWS (CIVIL PENALTY) - Court costs, amount of check, attorney's fees, damage of $50. (Notices required) GENERAL GARNISHMENT EXEMPTIONS - 75% of earning above minimum wage or what is necessary to live. 85% if person, family or house held debt. COLLECTION AGENCY BOND & LICENSE - Contact: Betty Poulin - Division Director Secretary of State - Corporations Division 81 River Street, Drawer 09 Montpelier, VT 05609 Phone: (802) 828-2386 • Fax: (802) 828-2853 web: www.sec.state.vt.us/corps/corpindex.htm