Protecting Families from Government Shutdowns Act This bill makes it unlawful for an entity to do any of the following with respect to a person if the person is unable to meet an obligation because government service is unavailable during a lapse in appropriations: (1) debt collection; (2) collection of interest on loans accrued during the lapse; (3) eviction; (4) foreclosure; (5) acceleration or downgrading of credit; or (6) enforcement of any other obligation required by law or contract that relies on a government service that is unavailable during a lapse in appropriations. Penalty provisions in a contract for services that is violated because of a lapse in appropriations and services shall be unenforceable. The Federal Trade Commission and the states are given authority to enforce this bill.