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U.S. state laws on fair debt collection generally fall into two categories: laws which require persons who are collecting debts from consumers to be licensed, registered or bonded in order to collect from consumers in their states, and laws that protect consumers from specific unfair practices by debt collectors, which may include collection agencies and sometimes original creditors. [2]
The Fair Debt Collection Practices Act (FDCPA), Pub. L. 95-109; 91 Stat. 874, codified as 15 U.S.C. § 1692 –1692p, approved on September 20, 1977 (and as subsequently amended), is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
The Commission spent the next 24 years analyzing the massive body of uncodified law in the California Statutes and drafting almost all the other codes. By 1953, when the Code Commission completed its assigned task and issued its final report on September 1 of that year, 25 Codes were then in existence. [10]
This is because of the statute of limitations on debt. However, the terms of these laws vary, by state and by type of debt. For example, federal student loan debt is not covered by the statute of ...
This is called the debt’s statute of limitations, which varies by state and type of debt. If the statute of limitations has expired, the debt collector can no longer sue you to recoup the debt.
California: California Codes: Various: The state of California has 29 statutory codes. California Law Colorado: Colorado Revised Statutes: Colorado Revised Statutes Connecticut: Connecticut General Statutes: 1958: From the Code of 1650 to the Revision of 1958 (revised to January 1, 2017), 16 complete revisions have been done.
The statute of limitations on debt is the time debt collectors have to sue you for payment on old debts. Once the statute of limitations expires, collectors can’t win a court order for repayment.
In 2008, Carl Malamud published title 24 of the CCR, the California Building Standards Code, on Public.Resource.Org for free, even though the OAL claims publishing regulations with the force of law without relevant permissions is unlawful. [2] In March 2012, Malamud published the rest of the CCR on law.resource.org. [3]