1. Short title This Act may be cited as the Relief for Consumers During COVID–19 Act of 2020 . 2. Suspension of other consumer loan payments (a) In general During the COVID–19 emergency, a debt collector may not, with respect to a debt of a consumer (other than debt related to a federally related mortgage loan)— (1) capitalize unpaid interest; (2) apply a higher interest rate triggered by the nonpayment of a debt to the debt balance; (3) charge a fee triggered by the nonpayment of a debt; (4) sue or threaten to sue for nonpayment of a debt; (5) continue litigation to collect a debt that was initiated before the date of enactment of this section; (6) submit or cause to be submitted a confession of judgment to any court; (7) enforce a security interest through repossession, limitation of use, or foreclosure; (8) take or threaten to take any action to enforce collection, or any adverse action for nonpayment of a debt, or for nonappearance at any hearing relating to a debt; (9) commence or continue any action to cause or to seek to cause the collection of a debt, including pursuant to a court order issued before the end of the 120-day period following the end of the COVID–19 emergency, from wages, Federal benefits, or other amounts due to a consumer by way of garnishment, deduction, offset, or other seizure; (10) cause or seek to cause the collection of a debt, including pursuant to a court order issued before the end of the 120-day period following the end of the COVID–19 emergency, by levying on funds from a bank account or seizing any other assets of a consumer; (11) commence or continue an action to evict a consumer from real or personal property