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PA HB801
Bill
Status
Introduced
3/4/2025
Primary Sponsor
Liz Hanbidge
Click for details
AI Summary
- Establishes the Uniform Consumer Debt Default Judgments Act in Pennsylvania, requiring creditors to meet specific documentation standards before courts can enter default judgments in consumer debt collection cases
- Mandates complaints include detailed debt information: creditor name, account number (last 4 digits minimum), date and amount of last payment, charge-off date, outstanding balance, itemized judgment amount, and chain of ownership if debt was sold
- Requires plaintiffs to attach documentation proving the debt's existence (signed agreement, purchase/payment records, or other evidence) and, if not the original creditor, proof of authority to collect
- Requires a separate "Consumer Notice" warning be served with the complaint, explaining consequences of default judgment including wage garnishment, property liens, bank account attachment, and impacts on employment and credit
- Prohibits waiver of consumer protections under the act and takes effect 60 days after enactment, applying only to actions filed after the effective date
Legislative Description
In civil actions and proceedings, providing for consumer debt default judgments.
Last Action
Referred to Judiciary
3/4/2025
Committee Referrals
Judiciary3/4/2025
Full Bill Text
No bill text available