Lightford leads measure to prohibit collection agencies from collecting debt incurred through coercion

SPRINGFIELD – Recognizing that financial abuse is a common tactic used by abusers to maintain control over victims, Senate Majority Leader Kimberly A. Lightford is leading a measure to prohibit collection agencies from collecting debt incurred through coercion.

"Survivors of domestic violence, sexual assault and human trafficking should not be haunted by debts that were forced upon them during their trauma," said Lightford (D-Maywood). "We must prevent predatory collection practices that can re-traumatize survivors and hinder their path to recovery and independence."

Survivors of domestic violence, sexual assault and human trafficking often face economic abuse in the form of a non-consensual credit transaction. This is a common tactic used to control a survivor’s financial freedom and self-sufficiency. Down the road – even if survivors are no longer surrounded by their abuser – they can face further financial trauma when a collection agency gets involved.

To prohibit collection agencies from collecting debt incurred through coercion, Lightford is leading House Bill 3352. Under the measure, a victim of coerced debt would not be liable for the debt – but would rather submit a form to a collection agency outlining the debt came from coercion.

“Financial security is essential to breaking cycles of abuse and ensures that survivors aren't pursued for debts they never freely chose to incur,” said Lightford. “We are taking a positive step toward removing that significant barrier and allowing people to remove themselves from the effects of economic coercion.”

House Bill 3352 passed the Senate Financial Institutions Committee Wednesday.