Illinois Consumer Debt Attorney
Are you tired of harassing phone calls and letters threatening legal action against you or your family unless you pay your bill? Creditors and their contracted collections agencies are under strict regulations regarding the tactics they use to collect overdue payments. In Illinois, the rules are particularly tough, and the courts protect the rights of individuals and families.
Get the Fresh Start and Make the Calls Stop — Today!
If you are feeling threatened or harassed by creditors in the Chicago area or elsewhere in Illinois, the consumer debt relief and bankruptcy Law Offices of Chad M. Hayward, P.C., is ready to help you protect yourself. Under provisions of the federal Fair Debt Collections Practices Act (FDCPA), creditors are restricted in their tactics. If you have experienced any of the following tactics, your creditor may be in violation of the FDCPA and subject to penalties and damages in a lawsuit:
- Telephone calls after 9:00 p.m. or persistent calls throughout the day
- Telephone calls or personal visits at your work or place of business
- Discussing your debt with your employer
- Letters or calls that threaten to repossess property not related to the loan
- Calls or letters threatening home foreclosure not related to the debt
- Publication of your name for debts owed
- Obscene language or threatening tone of voice
- Threaten to have you arrested
Attorney Chad Hayward can help you put an immediate stop to creditor harassment and collections actions taken against you. Talk to us about getting a fresh start from debt by considering Chapter 7 or Chapter 13 bankruptcy. During a free initial consultation, we will discuss your personal financial circumstances and show you how you can put your debt problems behind you forever. We are efficient and cost-effective and may even be able to work out an affordable payment plan to meet your family's needs. We never want cost to be a detriment to helping you get the debt relief you need.
Under Rules of the Fair Debt Collections Practices Act, Bankruptcy Stops Them in Their Tracks
Imagine what it would be like to stop the phone calls and threatening letters — tomorrow! The day you retain a lawyer, all legal actions and collections actions your creditor is taking against you will come to an automatic stop. You can even sue debt collectors if they don't abide by the rules of the FDCPA and work strictly through your legal representative.
Free Consultation · Se Habla Español · Credit Cards · Payment Plans May Be Available
If you are ready for a fresh start in Illinois, call a Chicago fair debt collection lawyer to get the help you need. Illinois bankruptcy attorney Chad Hayward represents clients in the Chicago metro region and communities throughout Illinois.
Reach us to schedule an appointment at any one of our local community offices by calling 312-546-4689 or toll free 888-804-8641.
Chicago
Aurora
Joliet
Schaumburg
Palos Heights
Northbrook
Oakbrook
St. Charles
You can also contact us by e-mail with a brief description of your legal problem. We look forward to helping your family get the fresh start from debt you need and deserve.
