The following page highlights Indiana state and federal laws pertaining to drunk driving and debt collection, two areas of the criminal law system that consumers need to know about.

“Approximately 17-19% of Indiana’s crashes involving fatalities are caused by an intoxicated driver.”

When it comes to debt in Indiana:

– the state of Indiana owes more than it owns ($23 billion of assets available to pay bills totaling $28.8 billion)

–the state of Indiana owes $5.7 billion in debt (to pay off this high debt, every consumer in the state would need to pay an additional $2,700 in taxes this year)

– in 2018, 5,800 Indianapolis residents were approved for either an Indiana debt consolidation or credit card relief program through Golden Financial Services (due to their inability to pay at least minimum payments)

Indiana Debt Collection Laws

When it comes to debt collection, Indiana residents have laws to turn to. Indiana state laws and federal laws offer consumer credit and debt protection. For example, the statute of limitations in Indiana for credit card debt is six years. That means if you stopped paying your credit card debt six or more years ago, at this point your past creditors can no longer sue you over the debt. In Indiana, illegal debt collection is becoming an epidemic. Consumers are unaware of what the state and federal laws offer them for protection.

Just to name a few instances of debt collection laws that get violated regularly, there’s the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA) and the Credit Card Act of 2009. These are all national laws, but Indiana is a state that takes things a step further to protect consumers from illegal debt collection.

Debt Relief Options in Indiana

Indiana debt relief programs let consumers reduce their balances and consolidate payments into one affordable monthly payment. These programs make it possible for people to pay off high unsecured debt that they can’t even afford minimum payments on. Plans include debt consolidation, debt settlement, debt validation and also consumer credit counseling.

Indiana State Law – Extension To The FDCPA

“Indiana has passed legislation that covers the extensions of consumer credit and prohibits ‘extortionate’ extensions of credit wherein it is understood that if repayment is delayed, there may be violent or criminal means to harm the person or property of the debtor. Ind. Code §24-4.5 -5-107.

For consumers in Indiana that pursue such a claim, the remedy is that the debt is unenforceable by civil judicial process. Otherwise, consumers in Indiana will have to avail themselves of the Federal Fair Debt Collection Practices Act.”

Indiana DUI Attorney

In Indiana, it’s illegal for anyone to drive with a Blood Alcohol Content-Concentration (BAC) of .08% or above. If your BAC is between .08% and .15% it’s a C-misdemeanor and can land you in jail for up to two months, plus cost you a fine of $500.

A Blood Alcohol Content-Concenrtration of .15% or higher, could be construed as an A-misdemeanor and could land you in jail for up to one year, plus a fine of $5,000.

If it’s your second DUI in five years, now you’re looking at getting a felony on your record.

The OWI/DUI can also be elevated to a Felony 6 if there is a child in the car under the age of 18 years old or if the OWI results in serious bodily injury to another. Felony 6 charges carry with them a possible term of incarceration from 6 months to 2.5 years, and suspension of drivers license.

Visit the Indiana state bar association to find a reputable DUI attorney.