An Act amending Title 12 (Commerce and Trade) of the Pennsylvania Consolidated Statutes, in consumer credit, providing for consumer debt collection fairness.

Summary

The Consumer Debt Collection Fairness Act obligates debt collectors and debt buyers to include specific documentation about a debt when they file a lawsuit. It also prevents courts from entering default judgments unless the plaintiff supplies an affidavit, the required documents, and proof the consumer was properly served. The law adds a consumer‑rights notice to each case and limits collection actions to three years after the last payment or charge.

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