Pennsylvania Introduces Bill Requiring More Debt Collector Disclosures

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Pennsylvania recently became the latest state to target the information debt collection agencies provide to consumers with the introduction of House Bill 1633. Sponsored by Rep. Peter Daley, a Democrat serving southwestern Pennsylvania, the bill would require collectors to disclose the applicable statute of limitations on an account in initial communications, among other things.

The bill, under the memo heading “Protecting Consumers from Unfair Debt Collection,” is a formal amendment to the state’s Fair Credit Extension Uniformity Act of 2000. The new proposals would apply to both third party debt collectors and creditors.

Collectors would be required to conform with the verification provisions of section 1692g(a) of the FDCPA when contacting consumers in the state. But the bill also requires debt collectors to proactively disclose when the statute of limitations is up for a debt and inform consumers that  “the debt or judgment is no longer legally enforceable” afterwards.

“The laws in Pennsylvania pertaining to debt collections are, by comparison to others, very adequate. The Pennsylvania Attorney General’s office has done some amazing work in enforcing the law and prosecuting offenders,” Daley said. “This legislation seeks to add one additional requirement to the law that simply asks debt collectors and creditors to fully disclose the debt or judgment being sought against someone and provides those subjects with the knowledge that the debt or judgment can be lawfully collected at that time.”

The bill was introduced on August 23 and referred to the General Assembly’s House Committee on Consumer Affairs, of which Daley is the ranking Democrat. The measure has 15 cosponsors.

Because the bill also targets creditors, some consumer advocates expect the industry to lobby heavily against it.

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Posted in Collection Laws and Regulations, Credit Grantors, Debt Collection, Debt Statute of Limitations, FDCPA, Featured Post .

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  • avatar John Smith says:

    Why don’t we cut to the chase and simply make it totally legal and respectable to not pay for anything in this country. Just give it all away and be done with it!

    The democrats are busy giving away this country a piece at a time so just throw it all in the pot and lets get back to wearing side arms and riding horses. At least back then if someone stole from you; you could shoot them and go on about your business.

    Ahh, those good ‘ole days!

  • avatar Mike Bevel says:

    John Smith:

    I found video of the time you’re looking for. It seems great!

  • avatar Commercial Guy says:

    Sometimes it’s good to be a Texan…

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