The Fair Credit Extension Uniformity Act regulates the debt collection activities of debt collectors and creditors in Pennsylvania. You usually have 30 days to appeal judgments.If you do not appeal, the creditor can pay a PA constable or sheriff money to try to collect the money from you. This guide will hopefully provide individuals and business owners some basic information to help with debt collection in Pennsylvania. For Pennsylvania personal income tax purposes, taxpayers report taxable debt forgiveness in the class of income for which the debt was cancelled. If you want to collect Pennsylvania debt, then most often a civil lawsuit is necessary. Many people ask for legal advice because they are in debt and can't pay their bills. Pay.gov is a secure government website that allows you to submit payments for your federal debt(s) electronically. Pay. In other words, if a creditor waits too long to sue you, it is simply out of luck. Use this form to make criminal debt payments in Western District Court of Pennsylvania cases.