Cook County Consumer Protection Lawyer
At the bankruptcy Law Offices of Chad M. Hayward, P.C., we talk to people everyday who just can't take another day of the threats and harassment they are getting from creditors and collection agencies. Many people don't realize that the U.S. Congress has passed a law called to the Fair Debt Collections Practices Act (FDCPA), which puts tight regulations on the actions and tactics creditors and their authorized bill collectors can do in the act of collecting on a bill.
The FDCPA Is Enforced by the Federal Trade Commission
If a collection agency is harassing you and you just can't take it anymore, talk to us about your options for ways to stop the harassment and seek the debt relief you need. If a bill collector has violated your rights under the FDCPA laws, you may even be able to seek punitive money damages.
Here is a summary of your rights under the federal Fair Debt Collections Practices Act:
Under provisions of the FDCPA, a debt collector is identified as any person or corporate entity who regularly collects money from debtors on behalf of a creditor. This includes companies that purchase delinquent debt at a reduced cost, then work to collect on the full amount or a large portion of the debt for themselves.
The FDCPA protects individuals and families and includes debts owed for all secured and unsecured loans, including:
- Credit cards
- Car loans, boat loans, airplane loans and other vehicles for personal use
- Medical bills
- Mortgage payments
Any personal debts you may incur that are applied to the operation of your business are not covered by the FDCPA protections.
Under provisions of the act, debt collectors may not engage in threatening or abusive tactics that include telephone calls early in the morning or late at night. Collectors may not threaten you with repossession of property not associated with the security of the loan, and they cannot threaten you with arrest.
We Sue Debt Collectors for Violating Your Rights
For more information about stopping illegal and harassing debt collection practices under the FDCPA, talk to attorney Chad Hayward. During a free consultation, he will give you a full explanation of the law and what actions you should take to protect your rights.
Free Consultation · Se Habla Español · Credit Cards · Payment Plans May Be Available
If you are ready for a fresh start, let us start today. Chicago Fair Debt Collections Act 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.
