Shady Debt Collectors

Debt collectors are known to employ some shady tactics. From verbal intimidation over the phone, to mailing documents that look like official court papers and more. Debt collection agencies purchase old debt for much less than it’s original value. The sooner they can get paid, the better. This is why not all agencies follow laws in place to protect consumers. As a matter of fact, shady debt collectors will try every trick in the book to get you to pay up.

Debt Collection Laws That Protect You

The U.S. and Wisconsin  have laws that protect you, the consumer. Individuals have legal rights pertaining to debt collectors and their debt collection practices. When those rights are violated, Debt Advisors helps you sue for monetary compensation.

FDCPA VIOLATIONS

Under the federal Fair Debt Collection Practices Act (FDCPA), debt collectors in violation may be sued for:

  1. actual damages (mental, physical or financial injuries)
  2. statutory damages of $1000 (additional damages provided by law)
  3. attorneys’ fees.
  4. under the Wisconsin Consumer Act, the debt collectors could again be liable for those same actual damages, as well as twice the amount of the finance charge in question (but not greater than $1000).

Actions Prohibited by State and Federal Laws:

    • Threatening violence / harm or criminal prosecution
    • Falsely claiming to be attorneys or government employees
    • Misrepresenting the amount owed or legal documents
    • Disclosing (or threatening to disclose) any information about the debtor’s reputation
    • Using of a false company name or 0bscene language
    • Contacting the debtor by postcard

Taking Debt Collector to court

Certainly taking a debt collector to court is an option, but it may not be the best course of action for everyone. Pursuing a debt collector doesn’t erase the total debt owed. The best way to keep debt collectors at bay is to declare bankruptcy. As soon as the bankruptcy filing is made, a court order (called an automatic stay) comes into effect. This automatic stay is to stop creditors or their collection agencies from contacting the debtor without permission of the bankruptcy court.

At Debt Advisors Law Offices, we specialize in helping individuals navigate the complexities of bankruptcy laws. Our team of experienced lawyers will guide you through the process, ensuring you understand the implications of filing for bankruptcy, including the Wisconsin Chapter 7 means test and how it applies to your situation. For those in the Milwaukee area, our Downtown Milwaukee office is readily available to assist you. We also aim to address any fears of filing for bankruptcy you may have, providing you with the knowledge and support you need to make informed decisions. Our expertise in bankruptcy laws ensures that you have a reliable partner in your journey to financial freedom.

When debt collectors continue to bother you after bankruptcy, contact us .  We’ll help you sue for monetary compensation.

Learn about bankruptcy protections, types of bankruptcy, how to get started, what to expect, and who to trust. Filing bankruptcy is the ONLY way to completely eliminate debt. If bankruptcy is right for you, it offers powerful protections that cannot be achieved through alternative solutions such as hardship relief, loans, or debt settlement.

  • Exceptional service. The entire team was friendly and knowledgeable. The attorney took his time to walk me through step by step. I will recommend this law office to anyone!

    J Burks

  • I went through Debt Advisors as a referral by a friend. I am very happy I did so. The staff that I worked with were very helpful and showed a high level of professionalism. They were always able to answer any questions that I had. I was very happy with the attorney that I worked with, Michael Georg. Very professional.

    Terri Grote

  • Attorney Chad Schomburg and Debt Advisors helped me with my debt about three years ago. Chad explained the process to me and answered any questions I had, and the assistants compiled my documentation very efficiently while keeping my case moving forward. They were always available when I needed them, and even years later, I’m able to reach out to them, and they are willing to help. They have turned my life around 100%, and I could not have done it without them! Absolutely recommended!

    Tim Harris

  • They were there for my family from day 1 until the end, 5 years later (Ch. 13). Whenever I had questions or concerns they were always very responsive and gave me excellent advice. Michael and Jeremy are both exceptional bankruptcy attorneys. I highly recommend Debt Advisors.

    Steve

  • After I had to go on disability, I used my credit cards a lot more thinking I could pay them off when I was able to go back to work. That didn’t happen and I found myself so much worse off than I could handle. I went to Debt Advisors feeling terrible about what I had to do. Chad and everyone there were very understanding and put my mind at ease while taking such great care of me. They were there every step of the way and supported me when I was “freaking out”!! Every time I needed to contact them; their response time was amazing!! God forbid I ever need to go through this again, but I know where to turn if I need help! Debt Advisors are more than just filing bankruptcy on my behalf. They really care about what you are going through!! Thank you, Chad, Jeremy, Mike, and everyone at Debt Advisors!! I cannot tell you enough how much I appreciate all of you!! J Hammond

    Steve

  • After I had to go on disability, I used my credit cards a lot more thinking I could pay them off when I was able to go back to work. That didn’t happen and I found myself so much worse off than I could handle. I went to Debt Advisors feeling terrible about what I had to do. Chad and everyone there were very understanding and put my mind at ease while taking such great care of me. They were there every step of the way and supported me when I was “freaking out”!! Every time I needed to contact them; their response time was amazing!! God forbid I ever need to go through this again, but I know where to turn if I need help! Debt Advisors are more than just filing bankruptcy on my behalf. They really care about what you are going through!! Thank you, Chad, Jeremy, Mike, and everyone at Debt Advisors!! I cannot tell you enough how much I appreciate all of you!! J Hammond

    J Hammond

  • Chad Schomburg and his Staff did a phenomenal job for me and in an expeditious manner. I’ve recommend countless clients to Chad Schomburg, Wow!!! Outstanding customer service from the Schomburg office:)

    Lisa Williamson