DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

Pennsylvania
PAColumbia Ultimate

Dispute Columbia Ultimate in Pennsylvania

Your Pennsylvania rights against Columbia Ultimate: SOL is 4 years for credit card debt. Garnishment capped at No wage garnishment for most debts.

4 years

Pennsylvania credit card SOL

PA Fair Credit Extension Uniformity Act

State collection law

Common Columbia Ultimate Violations

Collecting on debts discharged in bankruptcy
Failing to update credit reports after dispute
Adding unauthorized interest charges

Pennsylvania Dispute Tips vs Columbia Ultimate

If you filed bankruptcy, send them your discharge papers immediately
Columbia collects utility and telecom debts — check final statements
Demand they remove inaccurate entries from all three credit bureaus

Pennsylvania Protections

NO wage garnishment for most consumer debts
Short 4-year SOL
Treble damages under UTPCPL

Pennsylvania Debt Laws

All protections in Pennsylvania

Columbia Ultimate Overview

All violations & tips

Dispute Columbia Ultimate in Pennsylvania — $9.99/mo