Fair Debt Collections Practice Act Attorneys in Chicago
Are Debt Collector Calls Keeping You Up at Night? We’ll Step In and Put an End to The Abuse!
Suburban Legal Group PC has begun an aggressive Fair Debt Collections Practice Act (FDCPA) violation program. We know that people have a difficult time dealing with the stresses of debt and don’t need abusive practices by debt collectors adding to their stress.
According to the Federal Trade Commission, the FDCPA’s guidelines,
“…prohibits debt collectors from using abusive, unfair or deceptive practices to collect from you.”
Cornell University Law School notes that the need for these guidelines is crucial:
“The Federal Trade Commission (FTC) reports that in 2005 there were more than 66,000 complaints of debt collector harassment. Congress targeted such behavior because it found that [a]busive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.’”
At Suburban Legal Group we advise all of our clients to refer their creditors to us and let their lawyer know if the calls continue. Furthermore, the attorneys at Suburban Legal Group PC evaluate every correspondence from the debt collector to make sure no violation of the FDCPA has occurred. With 2 convientient locations in the greater Chicago area (Schaumburg, Chicago), we’re available to help you with your debt issues and make sure you have representation through this difficult time.
If a violation of the FDCPA has occurred, our Chicago Fair Debt Collections Practice Act Attorneys are committed to getting the best results for our clients.
Here Are a Few of the Top Items Covered by the Fair Debt Collection Practices Act:
- Abusive or profane language. Abusive language cannot be used in the course of communication related to the debt.
- Behaviors not appropriate when trying to collect debt. A few examples of this “off-limits” behavior are harassment, making false statements and unfair practices.
- Hours. Under the FDCPA, debt collectors can’t contact you in the early morning or late evening. They also can’t contact you at work if you have previously indicated that you won’t allow phone calls there.
- Stopping collection calls. You can request in writing that a debt collector stop contacting you. To help enforce your request, keep a copy of the letter and send it certified mail with return receipt. That way, if the debt collector continues to contact you, it becomes harassment and you have recourse against them.
- The FDCPA covers personal debt. This includes credit cards, mortgages, auto loans, etc. However, it does not include business debt.
- Threatening arrest or legal action. Collection agencies may not threaten legal action which is either not permitted or not actually contemplated.
- Your wages cannot be garnished without legal action. A debt collector does not have the authority to garnish your wages without going through the proper legal channels and obtaining a court order.
- You have options if you believe your rights have been violated. The FDCPA gives you recourse to file a complaint with the Attorney General’s office or sue a debt collector with the help of a Chicago FDCPA attorney.
You Don’t Have to Go Up Against Creditors Alone
The FDCPA was put in place to protect people just like you. You don’t deserve the harassment and abusive collection tactics that many creditors employ, and there are legal recourses in place so that you don’t have to deal with them on your own. We’ll step in and represent you if a violation has occurred, we’ll put a stop to the harassing calls, and we’ll help you explore your options to help you get out of debt. An experienced Chicago Fair Debt Collections Practice Act attorney at Suburban Legal Group PC can help you get the legal representation you need.