What is consumer debt defense law?

Consumer debt defense law is a type of law found in many states, including South Carolina, that protects consumers from abuse from debt collectors. It outlines rules for debt collection - such as when a debt collector can call a debtor, or what types of harassment is considered illegal. It also establishes limitations on how much debt collectors can sue for, and may grant protections from wage garnishment and credit score damage. In short, consumer debt defense law aims to protect consumers from unfair and abusive debt collection practices. In South Carolina, the law is called the South Carolina Fair Debt Collection Practices Act. It applies to any individual or company that regularly collects delinquent debts from debtors, as well as attorneys representing debt collectors. This legislation outlines what types of actions debt collectors are prohibited from taking and what actions are considered illegal. Examples of activities prohibited include things like repeatedly calling debtors at all hours of the day, using false statements to deceive debtors, and threats of violence or arrest. Overall, consumer debt defense law serves an important purpose of protecting consumers from unfair debt collection practices. It makes debt collection more transparent and helps secure the rights of debtors. Without consumer debt defense law, debt collectors could take advantage of debtors and leave them exposed to abuse and harassment.

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What is consumer debt defense law?

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