Establishes prohibited practices for creditors.

This bill (S 1731) prohibits creditors from using unfair, deceptive, or unreasonable tactics when collecting personal, family, or household debts in New Jersey. It specifically bans practices like threatening to share debt details with unauthorized people (e.g., neighbors or employers), harassing debtors with late-night calls or offensive language, simulating court documents, impersonating law enforcement, or contacting debtors via social media to demand payment. Violations carry civil penalties of $2,500 for a first offense and $5,000 for repeat offenses, plus the right for affected individuals to sue for damages. The law applies to creditors collecting debts primarily for personal use, not business debts.