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    "Had a very good relationship with them."| Cutler & Associates Reviews

    Last updated 6 months ago

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    • Had a very good relationship with them. very easy to get in contact with them through email ,phone and text. never had to wait for office to open to ask questions to the lawyer.

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      Anonymous

    "He and the team held my hand and answered any and all questions no matter the time or day."| Cutler & Associates Reviews

    Last updated 6 months ago

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    • I had gotten Stuart's name in a round about way. From the beginning Stuart had helped me get my bearings about the situation. He and the team held my hand and answered any and all questions no matter the time or day. They were very through, honest and straight forward with me. I have referred several people to them. I would not hesitate to use... More

      Anonymous

    Tips for Dealing with Abusive Debt Collection Agencies

    Last updated 6 months ago

    If you fall behind on your bills, lenders may give your account over to a company whose only role is to try and collect the money you owe. These businesses are often ruthless in their pursuit of your cash. Thankfully, a number of laws protect consumers from these scary companies. Here are some tips for dealing with abusive debt collectors:

    Learn the Law
    Depending on where you live, a number of different laws can protect you from harassment and incessant phone calls. State statutes often provide an initial layer of protection, but the main law that applies throughout the country is the Fair Debt Collection Practices Act (FDCPA). This regulation prevents collection agencies from calling you in the middle of the night, using profane language, or discussing your debts with your family members or employers. If you feel harassed, begin keeping a log of the collection agency’s actions in order to better prove your case.

    Consult an Attorney
    One of the best ways to make debt collectors stop calling you is to force them to go through your lawyer. As soon as an attorney begins representing you, collection agencies cannot call you directly. Additionally, a lawyer may help you sue the company in state or federal court for violation of the FDCPA or other consumer protection laws. You can win peace of mind and a financial settlement.

    File a Report with a Regulatory Agency
    Another option is to report the collection agency to the Federal Communications Commission (FCC) your state Attorney General’s office. Both of these government entities have the right to sue collection agencies on behalf of the American public, and can force collectors to change their ways. However, this process can be lengthy and potentially ineffective.

    The legal team at Cutler & Associates is skilled at applying Illinois and federal law to debt collection practices. If you want to fight back against harassment and never-ending phone calls, consider meeting with one of our lawyers to learn about your legal options. Dial (847) 849-1834 to reach our Chicago-area team and schedule a free initial appointment.

    "I would highly recommend this team to anyone."| Cutler and Associates Reviews

    Last updated 6 months ago

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    • Stuart Swanson was very caring, kind, and a pleasure to work with. He was there any time I had a question or concern always responding in a timely manner. Anna was helpful and efficient making sure to keep me up to date and reminding me of appointments. David was comforting and helpful. I would highly recommend this team to anyone

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      Anonymous

    How to Stop Debt Collectors from Contacting You

    Last updated 6 months ago

    Even though a debt collector can contact you in person, over the phone, or through letters, there are limitations as to how he or she is able to pursue your debt obligation. For example, a debt collector isn’t allowed to call you before 8 A.M. or after 9 P.M. In addition, you are able to request that a debt collector doesn’t contact you at work.

    The Fair Debt Collection Practices Act is a federal law that requires debt collectors to exercise respect and fairness when contacting debtors. As this video explains, the FDCPA applies to all consumer debts, including car loans, medical bills, and credit card bills. The best way to ensure that a debt collector is complying with FDCPA is to speak with a bankruptcy attorney. 

    Cutler & Associates, Ltd. of Aurora has more than 25 years of consumer bankruptcy experience. Call (847) 868-2265 to schedule a free evaluation.   

Call Now for a FREE Bankruptcy Evaluation! (847) 868-2265 - CHICAGOLAND AREA



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