Debt collection bill heads to Gov. Brown’s desk

The Oregon Senate passed House Bill 2356, clearing the way for this landmark consumer legislation to go to the Governor for her signature. Unfair debt collection practices have scored near the top of the Oregon Attorney General’s list of frequent consumer complaints for decades. Yet, until now debt buyers, or those who buy debt for “pennies on the dollar” from the actual creditors, have gotten away with suing alleged debtors without providing basic information or even ensuring the debt is owed to the individual being sued. Consumers get confused when they do not recognize the debt and fail to defend themselves in court, even if a debt collector sues the wrong person. Suing the wrong person or for the wrong amount can impact consumers – wages can be garnished, credit scores can be significantly damaged, and it can take years to set records straight. The bill has already passed out of the Oregon House.