arrow_back Back to App

Stronger Protections Against Abusive Debt Lawsuits

This bill makes it harder for debt collectors to sue you without providing clear information. It requires them to give you detailed debt breakdowns and proof before taking you to court, giving you more time and information to understand and challenge the debt.
Key points
Debt collectors must provide detailed information about your debt, including its history and who owns it now.
They must send you a written warning 30-60 days before filing a lawsuit.
Lawsuits must include proof of the debt and who has the right to collect it.
Collectors must confirm the debt is still legally collectible before suing.
article Official text account_balance Process page
Expired
Citizen Poll
No votes cast
Additional Information
Print number: 117_HR_1671
Sponsor: Rep. Bonamici, Suzanne [D-OR-1]
Process start date: 2021-03-09
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-04-17
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

SCAM Debt Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_1671.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-03-09.

What are the main provisions?

Key points include:

  • Debt collectors must provide detailed information about your debt, including its history and who owns it now.
  • They must send you a written warning 30-60 days before filing a lawsuit.
  • Lawsuits must include proof of the debt and who has the right to collect it.
  • Collectors must confirm the debt is still legally collectible before suing.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Bonamici, Suzanne [D-OR-1].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-27.

CATEGORIES

Courts and Law