The Consumer Debt Collection Fairness Act aims to enhance protections for consumers in Pennsylvania regarding debt collection practices. The bill establishes that debt collectors or debt buyers cannot initiate legal actions to collect consumer debts without providing specific documentation, including the name of the original creditor, an itemization of the amount owed, proof of ownership of the debt, and a copy of the original contract. Additionally, it mandates that any legal action must be initiated within three years of the last payment or charge made by the consumer.

Furthermore, the bill prohibits courts from entering default judgments in consumer debt cases unless the plaintiff submits an affidavit based on personal knowledge, all required documentation, and proof of proper service to the consumer. Each lawsuit must also include a "Notice of Consumer Rights," informing consumers of their rights to dispute the debt, request documentation, and seek legal assistance. These measures are designed to ensure fair treatment of consumers and prevent abusive debt collection practices.