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Georgia laws cover the proper practice of debt collection from consumers. Debt collectors are penalized for unfair and illegal business practices. Laws also establish rights and responsibilities for creditors and debtors. Georgia residents should be aware of these consumer debt laws so that they can defend themselves against unlawful practices.
In Pennsylvania, the Fair Credit Extension Uniformity Act, or FCEUA, defines terms relating to consumer debt and regulates the collection of debt in the state. The act defines a person who owes a debt and resides in Pennsylvania, or who guarantees a debt incurred by a Pennsylvania resident under the age of 18, as a "consumer." The people or businesses to whom the consumer allegedly owes money, or their agents, are defined as "creditors." Violation of any of the rules set out in the FCEUA is considered a breach of Pennsylvania's Unfair Trade Practices and Consumer Protection law.
If you can't pay your medical or credit card bills, you might feel frustrated and perhaps unsure of your rights. As a resident of Ohio, you are guaranteed certain rights when dealing with debt collectors even if you really do owe the money. The Ohio state government as well as the Federal Trade Commission govern rules about debt collections and related credit reporting. By reviewing your rights, you can arm yourself with the information you might need to combat abusive debt collectors, or learn more about the financial consequences of not paying your bills on time.
