Chicago Debt Collector Harassment Attorneys
Take Action & Stop The Phone Calls
Reach out to Community Lawyers Group today at (312) 757-1880 or by filling out our online contact form.
Regulations for Debt Collectors
All of the following are prohibited debt collector tactics:
Calling before 8 a.m. or after 9 p.m.
Calling you at your workplace, if the debt collector has been told not to
Calling several times a day
Threatening you
Cursing at you or using obscene language
Using any other method of abuse or harassment
Requiring you to pay for collect calls or other means of communication
Telling you that you will be arrested or criminally prosecuted if you do not pay
If a debt collector does any of these things, they are breaking the law, and you can take legal action. Write down the date and time of calls or other communications you’ve received that fit any of these descriptions and share them with your attorney.
Can Debt Collectors Call Friends and Family?
Debt collectors are legally allowed to call your friends or family to try to locate you.
However, they cannot call these people to try to collect the payment for the debt, and they are only allowed to call once unless they believe there may be new information to be found. This requires the person to answer and tell the collector they aren’t the debtor.
If the collector is calling about a friend or family member who has passed away, you can inform the collector of this.
Your Rights
In response to debt collector contact, you may request verification of the debt – that is, supporting documents that show that you do in fact owe a specific amount and that the debt collection company is authorized to collect it – and the company must send you that information. If you believe that they are requesting money you do not owe, you can tell them this and they must stop contacting you until the debt is verified.
If you request that they stop calling you, they must do so unless they are informing you of a specific action being taken against you, such as a lawsuit.
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