NJ S2093

Prohibits creditors, their attorneys, and assignees from collecting consumer debt in unfair, deceptive, or unreasonable ways, including communicating about the debt to third parties, harassing debtors at unreasonable hours or with excessive frequency, using threats of violence or offensive language, or sending documents that simulate court forms.

Bans creditors from impersonating law enforcement or government representatives, failing to identify themselves in written or phone communications, contacting debtors at their workplace, and using fictitious names during collection efforts.

Prohibits creditors from joining or attempting to join a debtor's social media network or using social media platforms to collect debts.

Imposes civil penalties of $2,500 for a first violation and $5,000 for subsequent violations, with penalties collected through summary proceedings under the Penalty Enforcement Law of 1999.

Allows aggrieved individuals to bring private lawsuits in Superior Court to recover damages for violations.