What types of debt collection practices are forbidden?

5 Things Debt Collectors Are Forbidden to Do

• Pretend to Work for a Government Agency. The FDCPA prohibits debt collectors from pretending to work for any government agency, including law enforcement.
• Threaten to Have You Arrested.
• Publicly Shame You.
• Try to Collect Debt You Don’t Owe.
• Harass You.

  How long can a debt collector pursue an old debt in PA?

  Pennsylvania has a statute of limitations of six years for typical debts. If it’s been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states.

  Who regulates collection agencies in Pennsylvania?

  the Bureau of Consumer Protection
  What can I do to enforce these rights? If a collection agency or creditor breaks the law, you can make a complaint to the Bureau of Consumer Protection at 1 (800) 441-2555. You also have the right to sue in court. You may have as little as one year from the violation to sue.

  Do you need a license to collect debt in Pennsylvania?

  Pennsylvania Collection Licensing: Pennsylvania does not require collection companies to be licensed as a collection company. Collection companies must still comply with federal, state and local collection laws. Other licenses or permits may be required depending on the nature of each particular business.

  What is the Pennsylvania Fair Debt Collection Practices Act?

  Pennsylvania Fair Debt Collection Practices Act § 2270.3. Definitions The following words and phrases when used in this act shall have the meanings given to them in this section unless the context clearly indicates otherwise:

  What are the different laws for debt collection?

  Under different debt collection acts, both creditor and debtor have explicitly defined rights. There are also forbidden practices, which are not tolerated by any law. Although the acts differ between countries, there are world-wide acknowledged regulations.

  Is there Statute of limitations on debt collection in PA?

  Overview of Pennsylvania Collection Laws A. Statute of Limitations – Until recently, the statute of limitations applied in all collection matters (except federal student loans and subrogation) was four years, which is the statute for breach of contract claims.

  Do you need a license to collect debt in PA?

  Collection 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.