The bill amends sections 46A-2-122 and 55-7-8a of the West Virginia Code, focusing on consumer credit and protection actions. It introduces new definitions, including "Consumer," which now encompasses any natural person obligated to pay a debt and their personal representatives. Additionally, the term "Claim" is defined to include obligations arising from transactions primarily for personal, family, or household purposes. The bill clarifies that actions for violations of the West Virginia Consumer Credit and Protection Act will survive the death of either the person entitled to recover or the person liable.

Furthermore, the bill specifies that causes of action for injuries, including those related to consumer credit violations, will survive despite the death of the involved parties. It allows for the revival of actions that were initiated during the lifetime of the injured party and outlines the procedures for personal representatives to pursue claims after the death of the injured party or the wrongdoer. The bill ensures that the applicable statutes of limitations remain in effect and does not extend the time for bringing other tort actions.

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