Debt Collection Abuse & Consumer Rights
Consumers may encounter debt collection abuse in many different ways. Some experience harassing or deceptive collection tactics, while others first learn about a debt after being served with a collection lawsuit. In other situations, unusual contract provisions—such as “stay-or-pay” agreements—can lead to collection disputes when the underlying obligation is challenged. Federal and state laws provide important protections for consumers facing improper debt collection activity. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, deceptive, and unfair practices by many debt collectors and provides legal remedies when those rules are violated.
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Wells Law – Chicago represents consumers in matters involving debt collection abuse, collection lawsuits, and improper collection demands. Our firm helps individuals understand their rights, stop unlawful collection activity, and evaluate potential legal remedies where violations of consumer protection laws may have occurred.
Common Types of Debt Collection Problems
​Debt collection disputes arise in a variety of situations. Some involve harassment or deceptive practices by collectors, while others involve lawsuits filed to collect alleged debts. Certain employment or contract provisions may also result in collection disputes. Below are several types of debt collection matters our firm handles.
Debt Collector Harassment & FDCPA Violations
Debt collectors sometimes engage in conduct prohibited by the Fair Debt Collection Practices Act (FDCPA). These violations may include repeated or harassing phone calls, threats of legal action that cannot lawfully be taken, false statements about the amount or status of a debt, attempts to collect debts that are not owed, or improper communications with third parties about a consumer’s debt.
Debt Collection Lawsuit Defense
Some consumers first become aware of a collection account after being served with a lawsuit filed by a debt collector. Responding promptly is important, because failing to respond can result in a default judgment.
Consumers sued for debt may have defenses depending on the circumstances, including issues involving the accuracy of the debt, documentation supporting the claim, or the statute of limitations.
Legal Help for Debt Collection Abuse
Debt collection disputes can raise complex legal issues involving federal and state consumer protection laws. When collectors engage in unlawful practices, consumers may have the right to seek relief including statutory damages, actual damages, and attorney’s fees in appropriate cases.
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Wells Law – Chicago represents consumers in Illinois and nationwide in FDCPA matters and assists individuals facing unlawful debt collection activity or improper collection lawsuits.​​