Establishes provisions requiring notice to the debtor before collecting debt through judicial means

This bill establishes new rules for debt collectors in judicial proceedings, requiring them to verify that legal service of process has been properly completed before attempting to collect a consumer debt through the court system. It also prohibits debt collectors, creditors, and attorneys from sending communications that falsely appear to be official legal or government documents, classifying such deceptive practices as a misdemeanor. If a collector violates these rules, they may face liability for the debtor's actual damages plus a penalty of up to $1,000 if the violation was willful, while the law also allows for the recovery of attorney fees by the prevailing party in any resulting lawsuit.