Pennsylvania · FDCPA Cease & Desist
How to Stop Debt Collector Calls in Pennsylvania
Pennsylvania's Fair Credit Extension Uniformity Act (FCEUA, 73 Pa. Stat. § 2270.4) imports the FDCPA's prohibitions into state law and applies them to original creditors, not just third-party collectors. Because FCEUA violations are also Unfair Trade Practices under Pennsylvania's UTPCPL (73 Pa. Stat. § 201-9.2), courts can award actual damages, attorney's fees, and up to triple damages for willful violations.
Pennsylvania's FCEUA extends FDCPA protections to original creditors and links violations to the state's treble-damages UTPCPL.
Federal law
15 U.S.C. § 1692c(c) (FDCPA)
Pennsylvania state law
Fair Credit Extension Uniformity Act (FCEUA)
73 Pa. Stat. § 2270.1 et seq.
Pennsylvania-Specific Protections
Pennsylvania's Fair Credit Extension Uniformity Act (73 Pa. Stat. § 2270.4) applies FDCPA-equivalent rules to original creditors and debt buyers alike. Violations constitute unfair trade practices under the Pennsylvania Unfair Trade Practices and Consumer Protection Law (UTPCPL), allowing recovery of actual damages, attorney's fees, and up to treble damages.
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Pennsylvania Debt Collector Cease & Desist FAQs
What's the difference between the FDCPA and Pennsylvania's debt collection law?▾
The FDCPA applies only to third-party debt collectors. Pennsylvania's FCEUA extends the same rules to original creditors (your bank, doctor, or landlord). FCEUA violations trigger UTPCPL liability with treble-damages exposure.
What happens after a debt collector receives my cease-and-desist in Pennsylvania?▾
After your written cease-and-desist, contact must stop under both the FDCPA and FCEUA. Continued contact constitutes an unfair trade practice under the UTPCPL, allowing you to seek treble damages in addition to actual harm.
Do I need a lawyer to send a cease-and-desist letter?▾
No for the letter. If violations continue, the FCEUA/UTPCPL combination makes Pennsylvania a favorable state for consumer protection litigation, attorneys frequently take these cases on contingency.
Does a cease-and-desist letter actually stop debt collectors in Pennsylvania?▾
Yes. The treble-damages exposure under the UTPCPL significantly increases the cost of non-compliance for Pennsylvania collectors.
Cease & desist rights by state
Laws change. Verify current rules with a consumer protection attorney or your state AG. kweldoc is a document drafting tool, not a law firm.