Debt Collection Advice in Illinois
The Fair Debt Collection Practices Act and the Illinois Collection Agency Act give you the right to be treated fairly as debt collectors attempt to collect money from you in Illinois.
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Legal Proof
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The Illinois attorney general's website says you have the right to dispute a debt, in writing, after first being contacted by a debt collector. After receiving your letter, the debt collector cannot continue collection efforts until proving he is legally entitled to collect from you by producing a copy of your bill or similar documentation.
Telephone Calls
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You also have the right to demand that debt collectors contact you only by mail, according to the attorney general's website. This allows you to avoid telephone harassment at home and at work. Send your request to the debt collector in writing.
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Credit Counseling Agencies
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Nonprofit credit counseling agencies in Illinois, such as Consumer Credit Counseling Service of Greater Chicago, can help you deal with debt collectors. The agencies can consult with you for free on all of your options, including debt management plans, hardship plans, debt settlement and bankruptcy.
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References
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