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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.

Fair Debt Collections Act

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 312-867-3640.

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.