South Carolina has enacted a state debt collection law, as part of its consumer protection act, which closely tracks and parallels the federal FDCPA. Like the federal law, the South Carolina law prohibits harassing communications, disclosure of the alleged debt to third parties, threats of violence or harm, obscene or profane language, and misleading or deceptive tactics.
In addition to the damages and other relief available under the FDCPA, a South Carolina resident subjected to improper debt collection practices can also obtain relief under the South Carolina law. South Carolina victims can bring a lawsuit under state law and obtain their actual damages, between $100 and $1,000 in statutory damages, and attorneys’ fees and costs.
If you believe that a collector has behaved inappropriately while attempting to collect a debt from you in South Carolina, our attorneys can help you to determine whether the FDCPA or South Carolina law provides you with a legal remedy.
To learn more about the FDPCA, go to Federal Debt Collection Practices Act.
Consumer Protection Code, Title 37-5-108.