Stop Debt Collector Abuse, and Make Them Pay for It
Federal law sets strict rules for how collectors can contact you. When they break them, you can fight back.
The federal Fair Debt Collection Practices Act (FDCPA) sets strict rules for how third-party collectors can contact you. Illinois law adds its own protections. When collectors break those rules, you may be able to recover damages and have them pay your attorney's fees.
Common violations
How they contact you
Calling at unreasonable hours or repeatedly to harass. Contacting your employer, family or neighbors about the debt. Ignoring your written dispute or request to stop contact.
What they claim
Threatening arrest, jail or actions they can't legally take. Misstating the amount owed or adding unauthorized fees. Suing on debts too old to enforce.
Who does the collecting
Using a third-party vendor to do what the collector itself can't.
Sued on a debt?
Don't ignore the summons. Debt buyers often can't prove they own the account or that the balance is right. We answer the lawsuit, demand proof, and raise counterclaims when the collector broke the law.
What you may recover
Under the FDCPA, a successful consumer can recover actual damages, statutory damages of up to $1,000, and reasonable attorney's fees and costs. Because the collector may have to pay fees, many cases cost you nothing out of pocket.
This page is general information, not legal advice. Every case is different.
Talk to the attorney about your case.
Send your summons or court papers. We will review them and tell you where you stand.
Keep every letter, voicemail and text.
Then call +1 (555) 555-5555 for a free review.