What Indiana Debt Collection Laws Say About Your Rights

Editorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

A Beginner’s Guide to Indiana Debt Collection Laws

Debt collection is a practice most debtors are familiar with, but it sometimes goes beyond expectations. The , together with the Statute of Limitations, regulate the practice of debt collectors. Indiana further utilizes the Fair Debt Collection Practice Act of 1977(FDCPA) in enforcing debt collection practices. The Indiana Statute of Limitations on debt collection also regulates the time limits that a collector must consider before taking you to court for breach of contract.

Debt collection agencies often chase medical bill debts, going against the Indiana Medical debt collection laws, student loans, credit card, and mortgage loans. Most of these agencies comply with the Indiana debt collection laws, but some have their way of crossing the line and end up harassing debtors. Subjecting debtors to such harassment will likely cause them stress and other health-related risks.

Dealing with the debt collectors yourself is quite a challenge as most of them are arrogant and have less patience to allow you to negotiate through the situation. However, DoNotPay has the solution for you. DoNotPay can help you deal with these agencies and aid you in negotiating with them. DoNotPay will also help you draft enforceable dispute letters to debt collectors, preventing further harassment.

Difference between Indiana Debt Collection Laws and the FDCPA

  • Despite the enactment of these laws by the State of Indiana, the Fair Debt Collection Practice Act always takes precedence.
  • IN Debt Collection Laws also only apply within the territory of Indiana, while the FDCPA applies to all the 50 states within the United States of America (USA).
  • Indiana's state legislators enacted the Indiana Debt Collection Laws, while the US congress promulgated the FDCPA.

However, state laws depend on the FDCPA to draft their debt collection laws. State law will borrow a lot from the FDCPA since it is a federal law.

Learn more about the FDCPA here:

Company FDCPA
Mailing Address 600 Pennsylvania Avenue, NW Washington, DC 20580
Phone Number (202) 326-2222
Email or Contact Form Email Form
Fax None

Indiana Statute of Limitation on Debt Collection

There are two types:

Statute of Limitations on Unwritten ContractsIndiana Debt Collection Laws state that a creditor or a debt collector can charge a defaulting debtor for breach of an unwritten contract within a period of six years after the cause of action arose.
Statute of Limitations on Written ContractsBoth the debtor and the creditor sign the written contracts. They include; promissory notes, bills of exchange, and auto loans, among others.

Under a written agreement, a creditor has between four and ten years after the cause of action.

Medical BillsUnder the Indiana Medical Debt Collection Laws, a creditor can charge the debtor within six years after the cause of action arose.
Contract of Sale for Goods and Auto LoansA creditor can charge a debtor within four years after the cause of action arose.

How to Deal With Debt Collectors on Your Own

You can take matters into your own hands and decide to deal with harassing debt collectors by following these steps:

  1. Write a debt validation letter, including the need for the debt collectors to cease communications.
  2. Keep a record of all contact made by the debt collectors and any forms of harassment. However, you have to be keen to ensure that the information is verifiable. You can choose to have a witness.
  3. File your complaints with the FTC (Federal Trade Commission) should the debt collector continue harassing you.
  4. File a complaint with the Indiana Attorney General's office
  5. Sue the debt collector for harassment in a court of competent jurisdiction: you can also have a consultation with your lawyer.

The process of filing complaints requires that you ensure to follow up keenly. However, DoNotPay can do all this to reduce the running up and down and reduce the time you would spend from hours to minutes.

Dealing With Debt Collectors Using DoNotPay

Dealing with debt collectors on your own can be quite a challenge. Filling papers to present complaints isn't only time-consuming, but also frustrating and lengthy. However, DoNotPay has a solution for you from the comfort of your home. DoNotPay will only require a few details. When you decide to complain against a collection agency, DoNotPay will file your grievances, and you need not lift a finger. It will only take you these three easy steps

Here’s how it works:

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

DoNotPay Works Across all States

DoNotPay can help you resolve any debt collection issue, regardless of the state you are in, with just a click of a button. We will help you handle any debt collections from New York the same way it would help you in Iowa.

Why Use DoNotPay For Indiana Debt Collection Laws

You can spend your time fighting off harassment from debt collectors in Indiana or you can let DoNotPay help you. We are:

  • Fast- You do not have to spend too much time searching for specific provisions of the Indiana debt collection laws that apply to you.
  • Easy- All it takes are the three steps to get the system to work for your benefit.
  • Successful- You can rest assured that we are making the best case for you.

Other Services by DoNotPay

You can do much more with DoNotPay, including cleaning your credit report and increasing your credit limit. You can also get financial aid letters without breaking a sweat. Our other services include:

If you fall victim to harassment by debt collectors, it is time to get some rest. Do not let the handling of debt collectors be a pain in the back anymore. today, and we will resolve the issue right away.

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