Fair Debt Collection Practices
Pennsylvania's Fair Credit Extension Uniformity Act seeks to protect consumers from certain unfair or deceptive debt collection practices. The following is a summary of the relevant provisions.
The following debt collection practices are not permitted without your express permission or permission granted through a court order:
Debt collector & third party communications:
Debt collector may not harass you, or third parties in connection with collecting a debt:
Unfair and deceptive debt collection practices are not permissible:
Although the Fair Credit Extension Uniformity Act does protect consumers from illegal methods of collection, the best way to protect yourself from unfair debt collection practices is to avoid excessive debt altogether. Also, it is a good idea to keep a log of when you receive your bills; that way, when a bill does not arrive on time, you can call the company and inquire into its absence and likely avoid any late fees. If you feel a debt collector has violated the law, you should also take steps to document such behavior.
If you have any questions regarding debt collection practices or you feel that you may a victim of unfair debt collection practices you can contact the Office of Attorney General's Bureau of Consumer Protection at 1-800-441-2555 or visit our website at www.attorneygeneral.gov.