Using Debt To Pay Off Debt In Pennsylvania
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Generally, there is no wage garnishment in Pennsylvania for most debts icluding credit cards, private loans, mortgage deficiencies, etc.
This legal time limit, which varies by state, sets a deadline for creditors to sue you for unpaid debts. In most states, the statute of limitations for collecting on credit card debt is between three and 10 years, but a few states allow for longer periods, extending up to 15 years.
CURRENT LAW in PENNSYLVANIA Criminal statute of limitations for adults is capped at 12 years after the offense was committed. Civil statute of limitations for adults is capped at 2 years after the offense was committed.
Most states or jurisdictions have statutes of limitations between three and six years for debts, but some may be longer. This may also vary depending, for instance, on the: Type of debt. State where you live.
Specifically, the rule states that a debt collector cannot: Make more than seven calls within a seven-day period to a consumer regarding a specific debt. Call a consumer within seven days after having a telephone conversation about that debt.
The phrase in question is: “Please cease and desist all calls and contact with me, immediately.” These 11 words, when used correctly, can provide significant protection against aggressive debt collection practices.
Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.
Specifically, the rule states that a debt collector cannot: Make more than seven calls within a seven-day period to a consumer regarding a specific debt. Call a consumer within seven days after having a telephone conversation about that debt.
Pennsylvania is not the easiest state to collect in. Debtors have a huge advantage when it comes to PA debt collection. The primary reasons are that “Marital Property” can be exempt, and Plaintiffs are not allowed to garnish wages (with a few minor exceptions i.e. landlord/tenant).
