Regardless of whether a creditor has a judgment or not, there are limits to what it can do to collect a debt. The actions of debt collectors are limited by the federal Fair Debt Collection Practices Act(“FDCPA”), the Pennsylvania Fair Credit Extension Uniformity Act (“PFCEUA”), and other consumer laws. Common acts, such as impersonating an attorney or law enforcement officer, threatening arrest, calling in the middle of the night, etc., are forbidden.

Likewise, providing false information about a debtor’s accounts to the credit bureau is a violation of the Fair Credit Reporting Act (“FCRA”).  Violations of any of these acts can result in the debtor paying you damages and your attorney’s fees.