Debt Collection Attorney in Chicago | FDCPA Lawyer – Wells Law

Wells Law – Chicago represents consumers throughout Illinois and nationwide in cases involving debt collection abuse and Fair Debt Collection Practices Act (FDCPA) violations. As an experienced consumer protection law firm based in Chicago, we help individuals stop unlawful collection practices, protect their rights, and pursue compensation for improper debt collection conduct.

Debt collection abuse is common and can take many forms, including repeated harassing phone calls, threats of legal action that cannot legally be taken, false representations about the amount or status of a debt, and attempts to collect debts that are not actually owed. When debt collectors cross legal boundaries, federal law provides powerful protections — and our firm is dedicated to enforcing them.

Why Choose Wells Law Office?

Our team understands the stress and embarrassment that often comes with aggressive debt collection—especially during difficult financial times. Every case is handled with respect, compassion, and a proven strategy designed to protect your rights under the law and end unfair debt collections.

The FDCPA prohibits abusive collection tactics—whether or not you actually owe the debt.
Debt collectors are trained to push psychological buttons. We know their playbook—and how to stop them.
Our firm represents clients both in pursuing claims arising from collection abuse and in defending lawsuits brought by creditors or collectors.

Common Collection Abuse Violations

Threats & Harassment

Communications by debt collectors that are threatening or harassment may violate federal law.

Repeatedly calling to annoy, harass, or abuse.
Using obscene, profane, or threatening language.
Threatening violence or harm.

Improper Collection Contacts

Collection calls that are too early or too late, or reveal your default status to others, may violate your federal rights.

Calling before 8:00 a.m. or after 9:00 p.m. (unless you agree otherwise).
Contacting you at work after being told not to.
Discussing the alleged debt with family members, neighbors, or employers.
Continuing to contact you after you’ve requested in writing that they stop.

Unfair Practices

It may violate federal law if a mailing from a collector reveals that you owe a debt.

Collecting fees, interest, or charges not authorized by the contract or law.
Depositing a postdated check before the date on the check.
Contacting you by postcard (which exposes your debt to others).

Failure to Provide Required Information

Woman reviews documents with a worried expression, Debt Collection Abuse (FDCPA), in the kitchen.

Ignoring or failing to properly respond to a written dispute or request for validation.
Not sending a written validation notice within five days of first contact (detailing the debt, creditor, and your right to dispute).

False or Misleading Representations

Collection letters must not include false or misleading information.

Pretending to be an attorney, government agent, or law enforcement.
Misrepresenting the amount, character, or legal status of an alleged debt.
Threatening arrest, wage garnishment, or lawsuits they cannot or do not intend to pursue.
Sending documents that falsely look like court papers.

Unlawful Litigation Practices

Failure to follow the FDCPA when filing a lawsuit against a consumer can violate that consumer's rights under federal law.

Filing lawsuits in a court that is not your home county or where the contract was signed.
Attempting to collect on debts past the statute of limitations (time-barred debts).

Debt Collection Abuse in Illinois

Illinois consumers are protected by the federal Fair Debt Collection Practices Act (FDCPA) from abusive, deceptive, and unfair debt collection practices.

Common forms of debt collection abuse affecting Illinois residents include repeated or harassing phone calls, threats of arrest or 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, and communications with third parties about a consumer’s debt.

When debt collectors violate the FDCPA, Illinois consumers may have the right to recover statutory damages, actual damages, attorney’s fees, and costs.

Wells Law – Chicago represents individuals throughout Illinois and nationwide in FDCPA cases and helps consumers stop unlawful collection practices and hold abusive debt collectors accountable.

Legal Help for Debt Collection Abuse in Illinois

Does Wells Law – Chicago offer free case reviews for debt collection abuse?

Yes. Wells Law – Chicago offers free, confidential case reviews for individuals experiencing debt collection abuse in Illinois and nationwide. In appropriate cases, the firm represents consumers on a contingency or fee-shifting basis under the Fair Debt Collection Practices Act (FDCPA), meaning clients may not have to pay attorney’s fees out of pocket.

Debt Collection Abuse in Chicago

Consumers in Chicago frequently contact Wells Law – Chicago after experiencing repeated harassing phone calls, threats, or misleading communications from debt collectors. As a Chicago-based consumer protection law firm, Wells Law – Chicago provides legal advice and representation to individuals facing debt collection abuse, unlawful collection practices, and violations of the Fair Debt Collection Practices Act (FDCPA).

We help Chicago consumers stop harassing collection calls, challenge improper collection lawsuits, and enforce their rights when debt collectors violate federal law.

If you are experiencing debt collection abuse in Chicago, Wells Law – Chicago offers free, confidential case reviews and represents clients on a contingency or fee-shifting basis in appropriate cases.

Legal Help for Debt Collection Abuse in Chicago

Q&A

Who offers legal advice for debt collection abuse in Chicago?

Wells Law – Chicago is a consumer protection law firm that advises individuals in Chicago, throughout Illinois, and nationwide on debt collection abuse and Fair Debt Collection Practices Act (FDCPA) violations. The firm represents consumers harmed by harassing calls, unlawful collection practices, and improper debt collection conduct.

If you believe your rights have been violated
whether you owe the debt or not

Contact Wells Law - Chicago now.

FREE Case Review