Pennsylvania Law Prevents Debt Harassment

Pennsylvania Law Protects You From Being Harassed By Debt Collectors

Fortunately, the Commonwealth of Pennsylvania has laws in place to prevent debt collection harassment. The Fair Credit Extension Uniformity Act (FCEUA) is one such law. There are also federal laws that protect debtors in the United States. For example, the Fair Debt Collection Practices Act (FDCPA) protects consumers from deception and harassment. We will dig deeper into these laws, exploring the ways in which they protect your rights in Pennsylvania.

The Fair Debt Collection Practices Act

Under the FDCPA, consumers are granted legal rights regarding debt verification, venue/payment protections, and debtor communication. The FDCPA also prohibits debtors from harassing you or engaging in dishonest or otherwise unconscionable acts. The passage of this act was a huge win for consumers in the United States.

The Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) protects your rights regarding credit reporting. Under this act, debt collectors cannot report inaccurate or out-of-date information about you to credit reporting agencies. Under the FCRA, debt collectors must also fully investigate consumer disputes. In certain instances, debt collectors are prohibited from accessing your credit reports.

Other Protective Acts

There are several other acts that protect Pennsylvanians’ rights regarding debt collection. These acts include:

  • The Telephone Consumer Protection Act (TCPA)
  • The Unfair Trade Practices Consumer Protection Law (UTPCPL)
  • The Dragonetti Act

The TCPA prevents debt collectors from calling your phone without your consent. The UTPCPL and the Dragonetti Act are both specific to Pennsylvania. The UTPCPL protects you from fraud and deceit on the part of debt collectors. The Dragonetti Act prohibits debt collectors in Pennsylvania from initiating lawsuits without probable cause.

Call Fenters Ward If Debt Collectors Violate Any Of These Laws

Unfortunately, debt collectors break these laws frequently, and in numerous insidious ways. If you believe that you are a victim of fraud, deceit, harassment, or other unsavory practices on the part of debt collectors, call the Pennsylvania debt collection attorneys at Fenters Ward. You may be entitled to compensation if debt collectors violate the law while pursuing your debt.


What type of compensation are you eligible to receive, exactly? That depends on what damages you suffered as a result of debt collectors’ actions. If you suffered financial loss, physical harm, anxiety, or emotional distress, you may be eligible to be compensated for actual damages. If a debt collector has violated specific laws, you may be entitled to statutory damages. The amount awarded depends on which laws were violated. For example, you may be awarded up to $1,000 for a violation of the FDCPA. Under the TCPA, you may be awarded a sum ranging from $500 to $1500 for each unlawful phone call that a debt collector makes.

Fortunately, most consumer protection laws allow you to recover attorney’s fees and other court costs associated with a lawsuit against debt collectors. This is all the more reason to call an attorney at Fenters Ward: you can take on debt collectors without suffering an additional financial burden.

When we take on your case, we immediately stop debt collectors from contacting you. This can put you at ease and give you the mental space in order to prepare your game plan for dealing with the debt. Want to know more? See our video series on Debt Defense in Pennsylvania.

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