What protections do I have against creditor harassment?

The State Consumer Collection Practices Act (SCCPA) safeguards debtors by prohibiting third-party debt collectors and creditors from engaging in unfair practices and unlawful harassment. These Debt Collectors have the right to seek debt collections, but they may face penalties or charges for violating the SCCPA. To avoid being taken advantage of by creditors, it is important to familiarize yourself with your legal rights under this legislation.