Establishes prohibited practices for creditors.

This New Jersey bill (S 2093) prohibits creditors from using unfair, deceptive, or unreasonable tactics when collecting debts primarily for personal, family, or household purposes. It bans specific practices like threatening to contact third parties without permission, harassing debtors with calls at unreasonable hours or offensive language, simulating legal documents, impersonating law enforcement, or attempting to join debtors' social media networks. Violations carry civil penalties of $2,500 for a first offense and $5,000 for subsequent offenses, plus the right for affected individuals to sue for damages in court. The law directly affects creditors, their attorneys, and debt collection assignees operating within New Jersey.