AARP Louisiana has taken a stance against state Senate Bill 174, which the organization warns will block consumers from defending themselves when faced with collection on a debt that was never owed or that has already been repaid. Under circumstances such as these, the proposed legislation would leave no recourse for consumers who do not have a written agreement with the creditor. "We live in a world where many of our financial accounts are handled over the phone. When we have a problem with our credit card, we pick up the phone," writes AARP Louisiana state director Nancy McPherson in an opinion piece. "It's not fair to prevent a consumer from defending against debt collection just because there is no written agreement showing how a problem was resolved."