Illinois Consumer Credit Attorney
Consumer credit attorneys are legal professionals who specialize in helping individuals who have problems with their creditors. They can help clients with a wide range of issues, such as debt lawsuits, judgments (bank garnishment & wage garnishment), debt collection, credit reporting problems.
Creditors and debt buyers file debt lawsuits to collect what they believe is owed.
Consumer credit attorneys can help find the best defenses against a plaintiff in a case and defend your rights. Often they charge flat fees with a monthly payment plan to make hiring the attorney an affordable option.
A judgment is a legal order issued by a judge that requires one party to pay money or perform some other action as directed by the court. In the context of debt collection, a judgment typically refers to a court order that requires a debtor to pay back money that they owe to a creditor or other plaintiff.
Creditors can use judgments in several ways to try to collect on unpaid debts. Once a creditor obtains a judgment against you, they may be able to:
- Garnish your wages: In many states, creditors can request an order that requires your employer to withhold a portion of your paycheck and send it directly to the creditor until the debt is paid off.
- Freeze your bank account: With a court order, creditors can freeze your bank account and seize any funds in it up to the amount of the judgment.
- Place liens on property: If you own property such as a home or car, the creditor may be able to place a lien on it, which means they can legally claim ownership of that property if you don’t
Illinois Consumer Credit Attorney can help stop wage garnishment, bank garnishment, or settle the judgment. Often they offer affordable fees with a payment plan.
Debt collection is a process by which creditors attempt to collect money that is owed to them by individuals. This can be a stressful and overwhelming experience for consumers, especially if they are being harassed by creditors.
Rights Under the FDCPA
- Calling outside of reasonable hours (usually between 8 am and 9 pm)
- Using profane or threatening language
- Misrepresenting themselves or the amount owed
- Contacting you at work after being told not to
If you feel that a debt collector has violated your rights under the FDCPA, an attorney can take legal action against the collector.