Start My Answer

Debt Collection Laws in Connecticut

Sarah Edwards | August 09, 2023

Edited by Hannah Locklear

Summary: Some states, including Connecticut, have laws that protect consumers from unscrupulous collection agencies. All collection agencies that pursue Connecticut residents for debt must comply with the Connecticut Creditors’ Collection Practices Act. SoloSuit explains what you should know about the debt collection laws in Connecticut and how to settle your debt there.

If you know you have unpaid debt and haven’t taken action to set up a payment arrangement, there’s a good chance that it will end up with a collection agency. These companies purchase unpaid obligations from banks, medical providers, utility companies, and other organizations and try to collect them from consumers.

Collection agencies aren’t known for their exceptional reputations, and that’s why federal and state governments regulate their actions. Several laws have been passed to prevent debt collectors from taking actions that abuse or otherwise harm consumers.

While all collection agencies must abide by the national Fair Debt Collection Practices Act (FDCPA), Connecticut has some additional laws to protect its residents.

Sued for debt in Connecticut? Use SoloSettle to settle the debts for good.

Settle with SoloSettle

Make an Offer

The Connecticut Creditors’ Collection Practices Act explained

The Connecticut Creditors’ Collection Practices Act, outlined in C.G.S.A. § 36a-645 through 36a-648, explicitly protects consumers from harassment, deceptive actions, and abuse by debt collectors. The law mirrors the FDCPA. Activities considered harassment include all of the following:

  • Using violence or threats of violence to force a person to pay a debt.
  • Threatening to harm someone’s reputation if they don’t pay a debt.
  • Using curse words or obscenities when trying to collect a debt.
  • Calling someone repeatedly throughout the day or letting the phone ring off the hook if they don’t answer.
  • Threatening to publish the consumer’s name in a list of people who owe money.

Debt collectors are also prohibited from the following deceptive actions:

  • Implying that they’re a federal or state government representative when they’re not.
  • Telling the debtor that they’re an attorney or a law firm representative if they aren’t.
  • Failing to inform the consumer of the debt’s current legal status.
  • Telling the consumer they’ll take legal action against them to collect the debt if they have no right or intention to do so.
  • Threatening to harm the person’s credit by falsely reporting a debt to a consumer credit agency.
  • Using templates that appear to be legal process when they’re not.
  • Depositing a postdated check before the actual check date or threatening to do so.
  • Refusing to identify who they are or the name of the collection agency they’re with.

If you feel a debt collector is harassing you or using deceptive tactics when trying to communicate with you, they probably are. You can report violations to the FTC and the Connecticut Office of the Attorney General.

Let’s consider an example of Connecticut debt collection laws in action.

Example: Betty receives a phone call from Tulip Collections. Tulip Collections tells Betty that she has an outstanding credit card debt of $3,000 and must pay the obligation by the end of the week, or Tulip Collections will sue her. This is Betty's first communication from Tulip; she doesn’t recognize the debt. Betty tells Tulip Communications to send her a letter containing more details about the debt so that she can decide whether to dispute it. Tulip Collections tells Betty there isn’t time to validate the debt and she must pay it immediately or face dire consequences. The agent calls Betty a few choice names during the phone call, making her feel even more uncomfortable. After talking with Tulip Collections, Betty checks out the Connecticut Creditors’ Collection Practices Act and the FDCPA. She learns these actions were illegal since the agent used profane language and refused to validate the debt. She files a complaint against Tulip Collections with the FDCPA and the Connecticut Office of the Attorney General.

Did you receive a collection notice from a Connecticut debt collector? Ask it to validate the debt with SoloSuit’s Debt Validation Letter.

Debt collectors face penalties if they break the law

If you file a complaint because a collection agency didn’t abide by the Connecticut Creditors’ Collection Practices Act, the court may decide to award you damages.

Under C.G.S.A. § 36a-648, a debt collector found guilty of breaking the law is liable for any actual damages sustained by the consumer and additional penalties up to a maximum of $1,000. In addition, the court may order the agency to pay your attorney’s fees and costs for filing the lawsuit.

However, you’ll need to initiate action quickly. Connecticut has a Statute of Limitations of one year for any actions that violate the Connecticut Creditors’ Collection Practices Act.

Creditors cannot pursue parents for their children’s credit card debts

Connecticut has a special law for parents of students currently in college who are under the age of 21. According to C.G.S.A. § 36a-648a, creditors cannot call or send demand letters to parents whose children have taken out credit cards or otherwise borrowed money and failed to keep up with payments.

Unless the parent has expressly agreed to be a cosigner on the student’s debt, creditors can’t pursue them for their children’s obligations.

Collection agencies must have a license to pursue consumers in Connecticut

Per C.G.S.A. § 36a-801, collection agencies that attempt to collect debts from Connecticut consumers must have a valid consumer collection agency license issued by the state.

If you receive a collection notice from a debt collector, check to see if it has included its Connecticut consumer collection agency license number. If the number is not listed, request the license number when you send your Debt Validation Letter.

Collection agencies that don’t have a valid license can’t pursue you for debt, and you should report them to the Connecticut Office of the Attorney General.

Connecticut tries to protect consumers from unscrupulous debt collectors

While the Connecticut Creditors’ Collection Practices Act largely replicates the FDCPA, it also applies to traditional creditors like banks. These creditors must adhere to all standards in the law, just like collection agencies. If you feel that a collection agency or a creditor is crossing the line when they communicate with you, don’t hesitate to report them.

Are you being sued for debt in Connecticut? Settle the matter before going to court with SoloSettle.

Settle your debt in Connecticut

If you know you owe the debt, and the debt is still within the statute of limitations, another option to resolve your debt lawsuit is debt settlement.

In a debt settlement, you offer your creditor a portion of the total amount due, usually at least 60% of the debt’s value. In exchange for a lump-sum payment, the creditor agrees to drop its legal claims against you and release you from the remaining balance.

If you decide to settle your obligation, you’ll want to ensure you get the terms of your agreement in writing and pay the creditor before your court date. If you’ve never tried debt settlement before, consider working with a professional organization that will guide you through the process.

To learn more about how to settle a debt in Connecticut, check out this video:

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Read also: How to Settle a Debt in Connecticut

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

We have answers

Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.

Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.

Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.

Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.

"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather

Get Started