Neo9 Posted September 22, 2018 Report Share Posted September 22, 2018 Do the members of this forum have any opinion(s) as to which of the following states (CA, AZ, or NC) provide the most consumer friendly state laws governing collections? I am assuming it's CA but wanted to inquire to the members of this forum based on their own experiences in invoking state law violations against collectors, OCs, and/or CRAs. Your time and consideration is appreciated in advance. Sincerely, Neo9 Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted September 22, 2018 Report Share Posted September 22, 2018 Forget AZ. The only remedy at the state level here for rule violations are administrative in nature. There is no private right to action. Quote Link to comment Share on other sites More sharing options...
Neo9 Posted September 23, 2018 Author Report Share Posted September 23, 2018 Thanks for taking the time to offer this insight because I realize I could do the research myself. Unfortunately, I'm so bogged down with other issues I thought the forum would be a good place for some quick answers. I have a unique living situation which has created the possibility of bringing actions under these different jurisdictions. I suspected as much regarding AZ, and will stop considering it based on your recommendation. Quote Link to comment Share on other sites More sharing options...
nobk4me Posted September 24, 2018 Report Share Posted September 24, 2018 California has the Rosenthal Act, which has state-level consumer protections, in addition to the FDCPA. North Carolina does not have wage garnishment, if you might be worried about that. I have seen many people say bad things about Arizona, in terms of debt collection and consumer rights. Quote Link to comment Share on other sites More sharing options...
Neo9 Posted October 2, 2018 Author Report Share Posted October 2, 2018 Thanks nobk4me, I think North Carolina also has state level consumer protection statutes as well, which I am looking into. Does anyone have any experience or info regarding state-level statutes in NC? Quote Link to comment Share on other sites More sharing options...
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