Services Available in Pennsylvania
Debt Collection Agencies
Third-party agencies that collect unpaid debts on behalf of creditors. They typi...
20-40% of collected amount
Contingency Fee Lawyers
Attorneys who take cases on a contingency basis - they only get paid if you win....
33-40% of settlement/judgment
Bail Bond Recovery
Licensed bail enforcement agents (bounty hunters) who locate and return fugitive...
10-20% of the bail bond amount
Asset Recovery Services
Specialists in locating and recovering lost, stolen, or abandoned assets includi...
15-35% of recovered assets
Medical Billing Recovery
Specialists who audit medical bills for errors and recover overcharges from hosp...
25-35% of recovered overcharges
Judgment Enforcement
Specialists who collect on court judgments that debtors refuse to pay. They use ...
30-50% of collected judgment
Skip Tracing Services
Investigators who locate people who have 'skipped' - fled without paying debts, ...
Flat fee $50-500 per locate, or percentage if bundled with collectionYour Rights in Pennsylvania
Pennsylvania Fair Credit Extension Uniformity Act (FCEUA) - 73 P.S. Section 2270.1
- Original creditors subject to FDCPA under FCEUA
- Wage garnishment generally PROHIBITED (except support/taxes)
- Violations also constitute UTPCPL violations
- Strong consumer remedies available
Statute of Limitations in Pennsylvania
After this period, collectors cannot sue you to collect the debt.
| Debt Type | Time Limit |
|---|---|
| Credit Card | 4 years |
| Medical Bills | 4 years |
| Auto Loan | 4 years |
| Written Contract | 4 years |
| Oral Contract | 4 years |
Wage Garnishment Rules in Pennsylvania
Wage garnishment PROHIBITED except for support orders, taxes, and student loans
Featured Professionals in Pennsylvania
One of the largest debt purchasers and collectors in the United States, handling billions in consume...
View ProfileLeading debt purchasing and collection company specializing in acquiring and managing charged-off co...
View ProfileMajor debt purchaser and collector with operations across the US and internationally. Specializes in...
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