The bill amends the West Virginia Consumer Credit and Protection Act and the actions for injuries under the Code of West Virginia. It introduces new definitions for terms such as "Consumer," "Claim," "Debt collection," and "Debt collector," clarifying that a "Consumer" includes personal representatives of deceased individuals who were obligated to pay debts. Additionally, the bill specifies that any action for a violation of Chapter 46A shall survive the death of either the person entitled to recover or the person liable, ensuring that such claims can still be pursued after death.

Furthermore, the bill modifies the existing provisions regarding actions that survive the death of a party involved. It clarifies that causes of action for injuries to property, personal injuries not resulting in death, deceit, fraud, and violations of the consumer protection code will survive, allowing personal representatives to initiate or continue legal actions on behalf of deceased individuals. The bill emphasizes that these actions can be revived against the personal representative of a deceased wrongdoer, ensuring that justice can be sought even after the involved parties have passed away.

Statutes affected:
Introduced Version: 46A-2-122, 55-7-8a
Engrossed Version: 46A-2-122, 55-7-8a
Enrolled Version: 46A-2-122, 55-7-8a