PA HB1731

Debt collectors and debt buyers must include specific documentation when filing lawsuits: original creditor name, last four digits of account number, itemized amount owed, proof of debt ownership with chain of title, and copy of original contract or charge-off statement

Legal actions to collect consumer debt must be filed within 3 years of the consumer's last payment or charge

Courts are prohibited from entering default judgments unless plaintiffs file an affidavit based on personal knowledge, all required documentation, and proof of proper service

Consumer debt lawsuits must include a "Notice of Consumer Rights" informing consumers of their right to dispute the debt, request documentation, and seek legal assistance

Takes effect 90 days after enactment