Can I be sued for a debt after it is sold to a collection agency?

In Pennsylvania, if a debt is sold to a collection agency, you can still be sued for the debt. However, if the debt is sold off to a collection agency, Pennsylvania consumer debt defense laws are applicable. These laws aim to protect borrowers from unscrupulous debt collectors and provide legal rights that debtors can use to fight against unfair debt collection practices. The Pennsylvania Debt Collection Act requires debt collectors to establish that the debt is actually owed and that the amount of debt is accurate. The collector also must provide proof that the debt was originally assigned to them. If the debt collector cannot establish that the debt is valid and accurate, and that they actually own the debt, then they cannot pursue legal action. Additionally, the debt collector must provide detailed documentation about the debt including when the debt was incurred, the payment history, the originally agreement documents and other related documents. If the debt collector fails to provide any of this information, then they cannot legally pursue collection. The statute of limitations is also important for consumer debt defense in Pennsylvania. Generally, the debt collector must file a lawsuit within four years of when the debt was first incurred. If the debt collector tries to file a lawsuit after this period of time, then they are not legally allowed to pursue collection. Overall, in Pennsylvania, debt collectors must abide by the consumer debt defense laws in order to pursue legal action against debtors. If they fail to provide proof of debt or attempt to pursue a debt beyond the statute of limitations, then they cannot sue debtors.

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Can I be sued for a debt after it is sold to a collection agency?

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