Are you being harassed by a debt collector? Personal, family and household debts are covered under the Fair Debt Collection Practices Act. The act was designed to protect consumers from undesirable actions on the part of debt collectors.

If you believe your rights have been violated by a debt collector, an experienced debtors’ rights attorney at Edelman, Combs, Latturner & Goodwin, LLC, can help you.

You have the right to sue a collector in state or federal court within one year of a violation of the FDCPA. You may recover up to $1,000 statutory damages, plus any actual damages, attorneys fees, and court costs. In a class action, the debt collector may be liable for one percent of its net worth or $500,000, whichever is less, plus actual damages. For a free case, evaluation contact us for a Chicago debt collector harassment attorney.

Eligible Debts and Debt Collectors

Debts included in the Fair Debt Collection Practices Act (FDCPA) include money owed for the purchase of a home, an automobile for general transportation, medical care, and nonbusiness charge accounts, among other things.

Debt collectors covered by the act may include anyone, other than the creditor, who regularly collects debts for others, such as collection agencies, attorneys who regularly collect debts or foreclose mortgages or companies that regularly acquire debts after they are allegedly in default.

FDCPA Provisions

Collectors must not verbally or in any other way harass or abuse you by threatening harm or using obscene language. For more information, see Your Rights When Dealing With Debt Collectors.

For a sample letter to a debt collector asking for verification of a debt, please click here.  For a sample letter instructing the debt collector not to contact you click here. The letter will not prevent a lawsuit but any other contact is prohibited.

Contact an Experienced Lawyer

If you are seeking an attorney to assist you in a debt collection harassment case, contact a Chicago stop debt collection harassment lawyer at the Fair Debt Collection Act law firm of Edelman, Combs, Latturner & Goodwin, LLC.

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The consumer protection and class action lawyers of Edelman, Combs, Latturner & Goodwin, LLC, represent clients throughout Illinois, and in federal courts in Illinois, Wisconsin, Indiana, and Michigan, and will consider substantial cases in other jurisdictions.