Debt Collection Problems

Debt Collection Laws

Indiana Fair Debt Collection Practices Act

When times are hard, one does not need the added pressure of the constant calls of debt collectors.  While many debt collection practices in Indiana are legal, there is a line that collectors cannot cross.  Congress created the FDCPA to protect consumers from unfair, deceptive, abusive and oppressive conduct.  Some states, such as Indiana, also have laws that protect consumers from this improper conduct. 

Indiana has enacted legislation that covers the extensions of consumer credit and prohibits "extortionate" extensions of credit wherein it is understood that if repayment is delayed, there may be violent or criminal means to harm the person or property of the debtor.  Ind. Code ยง24-4.5 -5-107.For consumers in Indiana that pursue such a claim, the remedy is that the debt is unenforceable by civil judicial process.  Otherwise, consumers in Indiana will have to avail themselves of the Federal Fair Debt Collection Practices Act.