What type of debt is not subject to collection?

In West Virginia, collection defense law does not protect against all types of debt. Generally, collection defense law only applies to consumer debt, like credit cards and medical bills. Other forms of debt, like student loan debt, judgments, or taxes, are not covered by this type of law and collection agencies can pursue these debts with more aggressive tactics. Collection defense law is designed to protect consumers from creditors who use aggressive or unfair tactics to collect debt. For example, collection agencies cannot make false or misleading statements about a consumer’s debt, such as threatening to send them to jail or threatening to contact their employer, which are both illegal in the state of West Virginia. Additionally, agencies are prohibited from calling consumers repeatedly or calling excessively early or late in the day. No matter what type of debt an individual has, it’s important to know which laws are in place to protect them. By understanding what qualifies for collection defense and what does not, consumers are better equipped to protect themselves from aggressive debt collectors. Additionally, it’s important to be aware of what types of debt collection tactics are illegal and to know what to do if a debt collector crosses the line.

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What type of debt is not subject to collection?

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