Frequently Asked Questions (FAQ)
& Free Case Review
Looking for answers about credit report mistakes, debt collection harassment, or consumer protection laws in Chicago and throughout the United States? Here you’ll find answers to the most common questions we get about who we are and what we do.
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If you don't find your question below, please contact us and let us know. Your question may appear here soon.
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Your legal rights are important, and Wells Law – Chicago is here to help you be informed, empowered, and protected.
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Wonder if you have a case? Contact us for a Free Case Review. No cost or obligation. Just a free case review of yoru situation by an experienced consumer lawyer.
About Wells Law - Chicago
Q: What type of law does Wells Law – Chicago handle?
A: Our focus is consumer protection law, and has been for over 20 years. Our primary practice areas include:
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Consumer reporting issues (FCRA): Credit and consumer report (e.g., employment, insurance, banking, tenant) errors, mixed files, identity theft, outdated or inaccurate information, and unauthorized use of these consumer reports.
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Robocalls and Do-Not-Call violations (TCPA): Illegal prerecorded or artificial voice calls and violations of the National Do-Not-Call Registry.
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Debt collection harassment (FDCPA): Abusive, deceptive, or unfair debt collection practices.
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Other consumer-related issues and fraud.
Q: Do you only handle cases in Chicago?
A: No. While based in Chicago, Wells Law - Chicago is national in scope. We represent clients across the country in both individual cases and class actions. We have been granted special admission to federal courts nationwide and regularly collaborate with some of the most skilled consumer-rights lawyers in the country. This allows us to help consumers wherever they need protection.
Q: How much does it cost to hire Wells Law – Chicago?
A: We typically work on a contingency fee basis, meaning you pay no upfront fees. In those cases, we only get paid if we win or settle your case. We also understand that every client’s situation is unique. When appropriate, we offer flexible, non-traditional fee arrangements designed to meet your specific needs. And with a Free Case Review, there is no risk. Contact us today.
Q: How do I know if I have a case?
A: The best way is to request a Free Case Review through our secure form. An experienced attorney will carefully evaluate your situation and outline your legal options. While we would love to assist everyone who reaches out, the high demand for our services means we can only take on cases that align closely with our practice areas and current availability. Rest assured, every submission is reviewed, and we will follow up with you regarding your matter.
Q: How quickly will I hear back after submitting a Free Case Review?
A: We review Free Case Review submissions promptly, and within a few business days. In most cases, you will hear from us within one business day. If you do not hear back from us, please contact us.
Q: Do I need to live in Illinois to hire your firm?
A: No. We represent consumers across the United States in FCRA, FDCPA, and TCPA cases.
Q: What sets Wells Law – Chicago apart?
A: We have over 20 years of experience representing consumers. We are passionate about what we do, and strive to maintain maximum possible compensation for our clients. See our Google reviews for client experience. Also, meet our founder, Amy Wells. And with Free Case Review, you have nothing to lose, and everything to gain.
Q: How do I get started?
A: The first step to our process is a free case review.
Consumer & Credit Reporting (FCRA)
Q: What should I do if I find errors on my credit report?
A: Dispute the error in writing with the credit bureau and keep copies of all documents and correspondence. If the issue isn’t corrected, Wells Law – Chicago can help enforce your rights under the Fair Credit Reporting Act (FCRA). We also help consumers at this early stage (no cost, no obligation). If you have an error, let’s connect. We’re happy to discuss your options, complete a free case review, and provide resources to help you protect your financial future.
Q: Can background check or tenant screening reports be challenged?
A: Yes. If a background check contains false, outdated, or misleading information, and it harms your job or housing opportunities, you may have legal claims under the FCRA.
Q: What types of mistakes are often found on credit reports?
A: Some of the most common errors include accounts that belong to someone else (mixed files), outdated negative information, duplicate listings, identity theft–related accounts, and inaccuracies in balances or payment history.
Q: Should I sign up for credit monitoring services?
A: In most cases, we do not recommend paying for credit monitoring. These services can alert you to changes on your report, but they cannot prevent errors or identity theft—and you can review your own reports for free. Even more concerning, many monitoring agreements include fine print that may limit or waive your legal rights if you are harmed by false reporting. In short, you are often better off monitoring your own reports and keeping your rights fully intact. And if you find errors, you have access to seasoned FCRA counsel to complete a free case review. If you have a claim, Wells Law - Chicago's representation will set the record straight while pursuing maximum available compensation for you.
Q: What happens if a credit bureau does not fix an error after my dispute?
A: If a credit bureau or furnisher fails to correct inaccurate information after you’ve filed a proper dispute, you may have legal rights under the Fair Credit Reporting Act (FCRA). This can include the right to seek correction of the error, compensation for damages caused, and recovery of attorney’s fees. Contact Wells Law - Chicago for a free case review.
Pre-recorded Robocalls & Do-Not-Call Violations (TCPA)
Q: Are prerecorded or automated calls always illegal?
A: Not always. But under the Telephone Consumer Protection Act (TCPA), most telemarketing robocalls require your prior express consent. Complete a Free Case Review and Wells Law – Chicago will review your claim.
Q: What damages are available for robocall violations?
A: Consumers can recover $500 per illegal call and up to $1,500 per call for willful violations.
Q: How do I know if I have a good TCPA case?
A: The first step is a Free Case Review. Have an experienced attorney review your case today.
Q: Does the TCPA apply to text messages?
A: Yes. The Telephone Consumer Protection Act (TCPA) treats text messages the same as phone calls. Unwanted marketing texts—often called “robotexts”—are covered just like robocalls. If you never provided consent to receive these messages, you may have a legal claim.
Q: I get spam calls, where the caller never identifies who they are, and the number is not connected to an actual business. What can I do?
A: These anonymous spam calls are frustrating—and unfortunately very common. From a legal standpoint, we generally can’t pursue a claim unless we can identify the caller or business behind the call. However, you still have options. You can:
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Use a robocall-blocking app or service through your phone carrier to reduce the number of calls.
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Report the unwanted calls to the FCC (Federal Communications Commission) or the FTC (Federal Trade Commission), which track complaints and may take enforcement action against repeat offenders.
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Register your number on the Do Not Call Registry (if it isn’t already) to strengthen your protections.
While individual lawsuits usually require identifying the caller, reporting and blocking steps can help minimize the nuisance and contribute to larger enforcement efforts.
Q: What if I told a company to stop calling but they keep calling anyway?
A: Even if you originally gave consent, consent doesn't last forever. Once you revoke consent, continued calls or texts may entitle you to enhanced damages of up to $1,500 per violation.
Abusive and Unfair Debt Collections (FDCPA)
Q: What is considered harassment by a debt collector?
A: Harassment may include repeated calls, threats, profanity, calling at inconvenient times, or misrepresenting the debt. If you feel you have been untreated by a collector or subjected to harassment, complete a Free Case Review and let an experienced attorney review your situation.
Q: Can a debt collector call me at any time of day?
A: No. Collectors generally cannot call before 8 a.m. or after 9 p.m. unless you give permission to do so.
Q: What should I do if a collector threatens me with arrest?
A: Threatening arrest for nonpayment is illegal under the FDCPA. Document the call and contact Wells Law - Chicago or complete a Free Case Review today.
Q: A collector keeps calling me at work. I'm worried I'll lose my job. What can I do?
A: Contact you at an inconvenient time or place can violate the FDCPA. This includes calling you at your job.
Q: Do I have to talk to a debt collector?
A: No. You may demand in writing that the collector stop contacting you. After that, they can only contact you to confirm they’ll stop or notify you of legal action.