How to Eliminate Debt in Pennsylvania

People packed into a crowded Penn State football game in Pennsylvania

The sprawling state of Pennsylvania was named after William Penn who was granted its land by then King Charles II way back in 1681 to pay off a debt. Of course, the history of Pennsylvania is tied to the history of our nation. The first Continental Congress was held in Philadelphia in 1774 at the same location where the Declaration of Independence was later signed.

Since its inception, Pennsylvania has been a leading industrial hub for the production of steel, coal and the railroad lines. The state is also a leading agricultural supplier and is, in fact, the leading producer of mushrooms in the U.S. Pennsylvania is also the largest producer of canned food in America as well as the highest volume of snack production including chips and chocolate products. It’s no wonder that the town and headquarters of Hershey is located in Pennsylvania. Snack foods account for more than $5 billion a year in sales for the state. Those revenues, however, still don’t hide the fact that some residents still need help to dismiss debt.

The biggest cities in Pennsylvania may not be debt free, but include Philadelphia, the home of the Liberty Bell, Pittsburgh home to the sports triumphant of the Steewlrs, Penguins and Pirates, Allentown, a town once serenaded by composer Billy Joel as well as Erie, Redding and Scranton, the setting for famous television show, The Office.

Debt Details in Pennsylvania

At $47.5 billion dollars in debt, Pennsylvania ranks seventh in the nation in overall debt. Pennsylvania residents boast less credit card debt, medical debt and mortgage debt than the nation as a whole. Pennsylvania ranks eight among the states in credit wellness as citizens of the state have a typical credit card debt balance of $2,730 compared to the average $2,820.

On the downside, Pennsylvania has a far higher student loan debt percentage and also has lower credit scores than the national average. Pennsylvania residents owe almost $59 billion in student loan debt.

Pennsylvania Debt Fast Facts

  • Population: 12.8 million
  • Median Household Income: $60,905
  • Average Credit Score: 687 (national average is 669)
  • Average Credit Card Debt: $6,146
  • Average Student Loan Debt: $4,460
  • State Debt Total: $47.5 billion

Debt Resolution Laws That Protect Pennsylvania Residents

Disclaimer: The information shared herein is intended to be a free resource for Pennsylvania consumers looking to dismiss debt and does not constitute legal advice.

Whether battling credit card debt, medical debt or private student loan debt, Pennsylvania has long been known for passing laws that aggressively protect its citizens and seek to dismiss debt.

If you are embroiled in a deepening debt situation in Pennsylvania, Resolvly can help find an expert team of seasoned debt resolution lawyers to help eliminate debt or at least dismiss debt as soon as possible.

The Fair Debt Collection Practices Act

There are many ways to find debt relief and fight harassing debt collectors and avoid or defend a debt lawsuit. In one case, every consumer has specific rights invoking the federal laws outlined in the Fair Debt Collection Practices Act (FDCPA).

The FDCPA as it relates to Pennsylvania residents specifies exactly what a third-party debt collection service can and cannot do. For example, a collector can only call an individual between the local hours of 8am and 9pm. In addition, collectors cannot harass individuals or threaten a citizen with bodily harm or the potential of arrest.

Pennsylvaniaers in debt also have the ability to stop collectors from repeat callings by sending a physical letter to the agency requesting a cease and desist from the pestering calls. If the FDCPA is violated, a debt dimissal company can find you debt defense attorneys who can help you get out of debt and also seek damages and attorney fees.

The Fair Credit Reporting Act

Another consumer protection law designed to assist Pennsylvania residents from false or misleading credit information is the Fair Credit Reporting Act (FCRA). The FCRA protects the privacy and accuracy of your personal credit history. If an entity violates your rights outlined in the FCRA, there are legal actions that could not only dismiss debt, but earn monetary damages in addition to the recoupment of attorneys’ fees.

Let Resolvly Find The Right Consumer Defense Lawyer

When it comes to dealing with debt – whether medical debt or credit card debt – ignoring the problem won’t make you suddenly debt free. Utilizing the legal referral service of Resolvly, can help you hire a lawyer to get out of debt by helping you understand your specific circumstances, and clear the path to debt relief and dismissing debt.

We work with consumer protection lawyers trained in debt relief to protect your rights, fight harassing debt collectors and hopefully eliminate debt completely.

Resolvly helps you hire a lawyer to hopefully dismiss debt so that you can live debt free. Our goal is to help you attain true financial freedom and debt resolution. We offer a free consultation designed to refer you to a consumer defense attorney who will work to eliminate your debt. Simply call 844-479-3457 to speak with a debt freedom specialist who will help guide you on the path toward debt resolution so you can once again be debt free.

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