Under a recent Eastern District Court ruling, Pennsylvania debt collectors must be licensed by the Department of Banking and Securities in order to collect on deficiency judgments from retail installment sales contracts or face violations of the Fair Debt Collection Practices Act.

In the decision from Judge Kearney in the Eastern District of Pennsylvania, Wyche

If you have serviced a customer’s vehicle and have not been paid, you may have a lien. This type of lien is created by law and is properly called a garageman or repairman’s lien (often mistakenly called a mechanic’s lien).   If you have done the following regarding the repair performed, you should have a garageman/repairman’s