Debt Collection Abuse: Know Your Rights
Dealing with debt collectors can be a stressful and overwhelming experience, especially if you are being harassed or abused by them. It is important to know your rights when it comes to debt collection and to understand what actions you can take to protect yourself from abusive practices.
One common form of debt collection abuse is robocalls. These automated calls can be relentless and harassing, often calling multiple times a day and even outside of normal business hours. If you are receiving robocalls from debt collectors, it is important to know that you have rights under the Telephone Consumer Protection Act (TCPA).
The TCPA prohibits debt collectors from using automated dialing systems to call your cell phone without your consent. If you have not given permission for them to contact you in this way, you have the right to take legal action against them. This is where a robocalls lawyer in Chicago can help you navigate the legal process and fight back against abusive debt collection practices.
In addition to robocalls, debt collectors are also prohibited from using abusive or harassing tactics to collect a debt. This includes threats of violence, using obscene language, or repeatedly calling you with the intent to annoy or harass you. If you are experiencing any of these behaviors from a debt collector, it is important to document the interactions and report them to the Consumer Financial Protection Bureau (CFPB).
It is also important to know that debt collectors are required to provide you with certain information about the debt they are trying to collect. This includes the amount of the debt, the name of the original creditor, and your rights as a consumer. If a debt collector fails to provide you with this information, they may be in violation of the Fair Debt Collection Practices Act (FDCPA).
If you believe that a debt collector has violated your rights under the TCPA or FDCPA, it is important to seek legal advice from a qualified attorney. A robocalls lawyer in Chicago can help you understand your rights and options for taking legal action against abusive debt collectors.
Remember, you have rights when it comes to debt collection. Do not be afraid to stand up for yourself and fight back against abusive practices. With the help of a knowledgeable attorney, you can protect yourself from harassment and abuse and work towards a resolution that is fair and just.
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Wells Law – Chicago
https://www.wellslawchicago.com/
773-762-9104
122 S. Michigan Avenue, Suite 1390-145, Chicago, IL 60603
At Wells Law – Chicago we believe consumers deserve the same firepower as corporations. For over two decades, we have represented individuals and families harmed by inaccurate credit reports, background check errors, and identity theft that devastates financial standing and job opportunities. Our practice focuses on the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Telephone Consumer Protection Act (TCPA).
We pursue justice for clients facing credit report mistakes, employment screening inaccuracies, and false debts that don’t belong to them. We defend consumers against abusive debt collection tactics, and we prosecute illegal robocalls and Do-Not-Call list violations. Wells Law has recovered millions for consumers, helping restore reputations, rebuild credit, and bring peace of mind.
Based in Chicago, Illinois, we represent clients locally and across the United States. Whether you are battling credit bureaus, debt collectors, background check companies, or telemarketers, Wells Law provides skilled advocacy and compassionate guidance. Start with a free case review today and put a proven consumer rights attorney on your side.
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