Being in an obligation is always troublesome. Nonetheless, that tension is often fused when debt collectors are hounding and harassing you on a daily basis. The Fair Debt Collection Practices Act defends customers from illegal debt collection practices, and it doesn’t include creditors who are fairly trying to regain obligations owed to them.
In addition to particular practices for obtaining being disturbing, several are also illegal. As an outcome, it’s useful to be aware of illegal debt collection practices, and it is helpful to know how to identify them. If a debt collector, who is disobeying the law, is harassing you, you require the help of an experienced Illinois debt collect attorney.
Tips for identifying Illegal Debt Collection Practices in Illinois
- Trying to Obtain Debts Not Owed
By the constitution, if you do not owe the obligation in doubt, you have a lawful right to claim, in a written paper, that you need confirmation of the obligation. You can also argue that the debt collector discontinues all connections with you. Committing this in writing is a smart step as it assures that you retain evidence that the request is made by you.
- Not Giving Written Notice of Debt
By the constitution, a debt collector has to give you the written notification of the obligation they are attempting to acquire from you. They have to encompass the amount of that obligation, the actual creditor to whom the debt is owed, and a report of your privilege to dispute the obligation. If you don’t get this notice, you can lodge a legal accusation with the Federal Trade Commission. And if you get a written notification, it must include all the information about the debt.
- Harassing Communication Process
Debt Collectors are not allowed to disturb you when they contact or call you, and this is the constitution. Simultaneously, the FDCPA doesn’t imply a fixed number of calls the collectors can do within any provided time frame. Instead, the judiciary can specify what is relevant and what is deemed harassment.
- Warnings of Legal Action
As per the constitution, collectors are forbidden to threaten wage garnishment or legal action even if you owe an obligation. Also, they are prohibited from threatening you with a poor credit rating or jail time unless they retain the permission to commit so. Such warnings disobey the FDCPA. Debt Collectors must first take legal proceedings in court and win their lawsuits before any legal action can be taken against you.