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The Fair Credit Extension Uniformity Act regulates the debt collection activities of debt collectors and creditors in Pennsylvania. This law, effective as of June 26, 2000, prohibits debt collectors and creditors from engaging in certain unfair or deceptive acts or practices while attempting to collect debts.

The Fair Credit Extension Uniformity Act encompasses the federal debt collection statute, the Fair Debt Collection Practices Act, and provides certain important restrictions on the conduct of debt collectors. More information on the Fair Debt Collection Practices Act, including a summary of how more recent regulations interpreting the Act may impact consumers’ rights, can be found here.

Communications with Debtor
Unless they have your prior consent or the express permission of a court, debt collectors and creditors may not communicate with you: