Fair Debt Collections Attorneys in Chicago
Defending You Against Violations of the FDCPA & Bankruptcy Protections
If you owe money, do you have any choice but to endure their constant calls and aggressive collection tactics? Fortunately, no. As a consumer, you have extensive rights under the Fair Debt Collections Practices Act (FDCPA). You also have certain rights if you file bankruptcy. If debt collectors violate these rights, you have legal recourse, which means you may be eligible for substantial compensation.
Attorney Joseph P. Doyle and Attorney Joseph Davidson are here to represent you and protect your federal rights. With our assistance, you can send the message that these violations are wholly unacceptable. In some cases, consumers who suffered from creditor harassment and other violations of the FDCPA obtain enough compensation to cover everything they originally owed—and more.
You Rights Under the FDCPA
If your original creditor sold your personal debt (e.g. medical debt, credit card debt, etc.) to a debt collection agency, you are covered by the federal protections of the FDCPA.
Per the FDCPA, debt collectors cannot:
- Call you repeatedly to harass you
- Publicize information about your debt
- Discuss the details of your debt with anyone other than you or your spouse
- Lie about what you owe
- Lie about what will happen if you don’t pay
- Lie about who they are (i.e. pretend to be police or a government official)
- Use obscene, profane, or abusive language
- Use (or threaten you with) violence
- Use any other unfair, deceptive, or abusive collection tactic
Identifying FDCPA violations can be a challenge, which is why our professional team is here to assess your situation and help you understand your options. If a debt collector has violated your rights, we have what it takes to build a strong case and give you the highest possible likelihood of achieving a favorable resolution.
Your Rights During & After Bankruptcy
The automatic stay is a court order that expressly prohibits creditors and debt collectors from pursuing your debt in any way. This means that, for the duration of your bankruptcy, they cannot contact you, sue you, repossess your car, foreclose on your home, or engage in any other collection tactic. If they violate the automatic stay, our team can ensure they pay the penalty.
The debt discharge is a court-ordered elimination of qualifying debts. When your debt is discharged, you are no longer legally obligated to pay it. Furthermore, the entities that owned the debt are no longer allowed to collect it from you. If creditors or debt collectors are continuing to attempt to collect discharged debt, you do not have to stand for it. Get in touch with us right away so we can protect your rights.
Let Us Fight for Your Wellbeing
Lawyers, law firms, banks, collection agencies, and all other types of creditors and collectors are capable of violating your rights during the collection process. You do not need to tolerate this mistreatment and disrespect—especially when our dedicated team is just a phone call away. From representing single consumers to filing class-action lawsuits, we are fully prepared to do whatever it takes to protect our clients’ rights and futures.