This handbook describes the Fair Debt Collection Practices Act (FDCPA) and discusses how to negotiate with debt collectors and creditors. The handbook is divided into 4 sections. Section 1 briefly describes how consumer credit got started. Section 2 describes how to deal with debt collectors. Section 3 provides a detailed overview of the FDCPA. Finally, Section 4 is a journal for you to use to document your communicatioins with debt collectors.
Pennsylvania Fair Debt Collection Practices Act Handbook
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US-DCPA-23
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FAQ
The Fair Debt Collection Practices Act (FDCPA) (15 USC 1692 et seq.), which became effective in March 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices.
Pennsylvania Garnishment LawPennsylvania doesn't allow most creditors to garnish your wages, but it does allow creditors to remove money from your bank account to satisfy a judgment. In most cases, the creditor can remove the full balance of your bank account up to the amount of the debt you owe.
If you receive PA or SSI, all of your earned income is exempt from debt collection. Earned income up to 30 times the minimum wage per week, after taxes, is exempt. The minimum wage is currently $15.00 an hour. If you take home $450.00 per week or less, all of your earned income is exempt from debt collection.
What are the provisions of the FDCPA?Call Time Restrictions.Honoring Workplace Opt-Outs.Honoring Home Phone Opt-Outs.Restrictions Against Harassment.Restrictions Against Unfair Practices.Restrictions Against False Lawsuit Threats.
Here are five ways the Fair Debt Collection Practices Act protects you and what to do if your rights are violated:You control communication with debt collectors.You're protected from harassing or abusive practices.Debt collectors must be truthful.Unfair practices are prohibited.Collectors must validate your debt.More items...
Licensing RequirementsCollection agencies, collectors and debt buyers do not need to be licensed in PA. Moreover, businesses do not need to be licensed in PA in order to collect a debt, provided that the company is not otherwise doing business in the state.
Designed to a eliminate abusive, deceptive and unfair practices in debt collection without putting reputable debt collectors at an unfair disadvantage. You just studied 10 terms!
What are debt collectors not allowed to do?Contact you at your workplace or via social media.Give you incorrect or misleading information.Contact you outside the hours of 8am-9pm on working days or at all on weekends and holidays.Tell other people such as family about your debt situation.More items...
The Fair Debt Collection Practices Act was signed into law by President Jimmy Carter on September 20, 1977. The act prohibits certain debt collection practices, and requires debt collectors to identify themselves when communicating with a consumer and to validate the debt at the consumer's request.
Can Personal Property Be Seized In A Pennsylvania Judgement? Judgments from Magisterial District Court and Court of Common Pleas. A plaintiff can seize tangible personal property which are items such as household furnishings, jewelry, and business and office equipment.
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Callers often claim to be state attorneys general, public officials and family members, law enforcement officials, and other individuals who are claiming to represent state government or state agencies. They may provide phone numbers, social security numbers, and other personally identifying information that should be reported to the Federal Communications Commission as well as local law enforcement authorities. The National Do Not Call Registry is a voluntary national program established by the F.C.C. in 1994 under Section 751(b) of the Communications Act for the purpose of stopping callers on the national do not call list from calling consumers on the state do not call list. The National Do Not Call Registry is available for free on the Internet at. If you receive a call from someone claiming to represent state government or state agencies, do not immediately give out any information, and do not provide credit or debit card information.
Callers often claim to be state attorneys general, public officials and family members, law enforcement officials, and other individuals who are claiming to represent state government or state agencies. They may provide phone numbers, social security numbers, and other personally identifying information that should be reported to the Federal Communications Commission as well as local law enforcement authorities. The National Do Not Call Registry is a voluntary national program established by the F.C.C. in 1994 under Section 751(b) of the Communications Act for the purpose of stopping callers on the national do not call list from calling consumers on the state do not call list. The National Do Not Call Registry is available for free on the Internet at. If you receive a call from someone claiming to represent state government or state agencies, do not immediately give out any information, and do not provide credit or debit card information.