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S.C. Department of Consumer Affairs attorney explains debt-collection rights, repossession rules and where to get help
Summary
Phil Porter of the South Carolina Department of Consumer Affairs outlined federal and state rules on debt collection, repossession, credit reporting and consumer resources during a department webinar, including validation notices, limits on contact and consumers’ right to cure defaults.
Phil Porter, an attorney with the South Carolina Department of Consumer Affairs, used a department webinar to summarize how state and federal debt-collection laws affect consumers and where residents can get help.
Porter said the webinar was intended as “an introduction and overview,” not a substitute for reading the statutes or seeking counsel. He listed protections under the federal Fair Debt Collection Practices Act and South Carolina law, described procedures for repossession and garnishment, and walked through practical steps consumers should take when contacted about a debt.
The presentation covered several rules consumers commonly encounter. Under the federal validation and dispute process, a collector’s first communication or a notice within five days must identify the amount owed and the current and original creditor and must inform…
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