When you default on an unsecured debt, such as a credit card, the creditor or debt collector can collect against you, within the limitations of consumer laws, such as the federal Fair Debt Collection Act (“FDCPA”) and the Pennsylvania FairCredit Extension Uniformity Act (“PFCEUA”). For the most part, these laws limit collections to calls and letters within reasonable hours.

Debt collectors who violate the FDCPA can end up paying the debtor damages and attorneys fees. They can call and write to you , but only within limitations set by law.

A creditor or debt collector cannot take your real or personal property with out first suing you and obtaining a judgment. However, once a creditor has a judgment, the creditor has several options for collecting on the judgment.

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