Many Illinois residents are struggling right now. Overwhelming debt can cause you to feel exhausted and hopeless. Although you may be trying to get your finances back on track, constant communications or harassment from creditors can be scary and stressful....
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What can’t a debt collector do in Illinois?
Debt collectors can be ruthless. They will do whatever they can to get you to pay your debts. However, there are some things that they are not allowed to do in Illinois. Here are five of them. 1. Harass you in any way Illinois Fair Debt Collection Act strictly...
How long do you have to file a personal injury lawsuit?
Accidents do happen, yes – but when an accident is caused by another person or a business, and you’re injured in the process, it can turn your life upside down. To get it back on track, a personal injury lawsuit may be your best option. But you need to understand that...
Is it legal for debt collectors to contact family members?
Illinois residents who owe sizable debt might worry about debt collectors contacting them. It's possible to ignore the calls, but collectors could begin to contact the debtor's family members. It's important to know whether this is legal. Why do debt collectors...
How the FDCPA protects consumers
If you miss payments on some of your obligations, you may find yourself at the mercy of Illinois debt collectors. Some debt collectors are reasonable, but others don't follow any standards and harass consumers. It often goes unreported because consumers think debt...
When will a creditor sue you for an unpaid debt?
Being sued by a creditor in Illinois usually doesn’t happen right after you default. Creditors typically pursue other, much less expensive, methods of collecting unpaid debts before taking you to court. You may receive letters and frequent calls before a lawsuit is...
How to recognize and stop debt collector harassment
If you miss payments for a debt, you may get annoying calls from creditors. What many people in Will County, Illinois, don't realize is that creditors cannot do anything they want. The Fair Debt Collection Practices Act sets guidelines for debt collectors to follow...
What are your rights when a debt collector calls?
You work long days at UPS, FedEx, JP Morgan Chase Bank or at any of Will County’s other places of employment. Sometimes, however, the daily nine-to-five grind is simply not enough to make ends meet. Before too long you cannot pay your bills and you are facing...
Is it creditor harassment if the debt collector keeps calling?
Overwhelming debt is a rising problem in Illinois. With the past year being so difficult with job loss, medical bills, problems keeping up with various payments and other challenges, people are faced with significant worry. Compounding these issues is the increasingly...
What you need to know about the Fair Debt Collection Practices Act
Receiving a call from a debt collector can be unsettling. Worrisome thoughts may begin running through your head. The stress is compounded if the collection agency is aggressive or forceful. In moments like these, it’s important to remember that creditors have rights....