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    Tips for Dealing with Abusive Debt Collection Agencies

    Last updated 7 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 7 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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    How to Stop Debt Collectors from Contacting You

    Last updated 7 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.   

    What to Expect at Your Free Bankruptcy Evaluation with Cutler & Associates

    Last updated 7 months ago

    Since 1990, the bankruptcy attorneys of Cutler & Associates, Ltd. have provided thousands in the Chicago area with quality legal representation in consumer bankruptcy cases. Our expertise lies in handling Chapter 7 and Chapter 13 bankruptcy cases and we have seven convenient locations, including an office in Aurora and Schaumburg. By calling us today, we can stop collection calls, asset sales, wage garnishments and more.

    Your initial meeting with Cutler & Associates, Ltd. is absolutely free. We offer a free bankruptcy evaluation to assess the facts of your case and provide you with a unique plan for your financial situation. This initial meeting is also your opportunity to ask some initial questions you have about the bankruptcy process. Our bankruptcy attorneys are dedicated to helping you find the best possible solution to your financial problems, whether this means filing for Chapter 7 or Chapter 13 bankruptcy.

    To schedule a free bankruptcy evaluation with Cutler & Associates, Ltd., give us a call at (847) 868-2265. With more than 25 years of consumer bankruptcy experience, our attorneys can help you resolve your debt issues

    Important Terms to Know When You File Bankruptcy

    Last updated 8 months ago

    If you’re like most people, you’re relatively unfamiliar with the legal and financial terminology that comes up in a bankruptcy proceeding. Even though your bankruptcy attorney will be able to answer any questions you have about the process, it’s a still good idea to familiarize yourself with some of the terms you’ll be hearing throughout the next few months. The following is a brief guide to some common bankruptcy terms and phrases

    Credit counseling
    Before filing a bankruptcy petition, you must attend an individual or group credit counseling course from an approved credit-counseling agency. In a Chapter 7 or Chapter 13 case, you will need to attend an instructional course in personal finances and money management before your debt can be discharged. However, if the bankruptcy administrator in your case finds that there isn’t a sufficient number of approved credit counseling agencies available, you may be exempt from this requirement.

    Joint administration
    Unless there are conflicts of interest, sometimes, bankruptcy petitioners can choose to file their cases together. This process is known as joint administration, and it allows separate businesses or individuals to combine their resources and work with the same bankruptcy attorney. Joint administration differs from a joint bankruptcy petition in that only a husband and wife are eligible to file a joint petition together.

    Means test
    If you’re considering file for Chapter 7 bankruptcy, you are required to first complete the means test, under section 707(b)(2) of the Bankruptcy Code. To pass the means test, your aggregate current monthly income over the course of five years must be under $10,950. However, you can also rebut your means test results by proving that there are special circumstances that justify additional expenses or adjustment of your current monthly income.

    By calling Cutler & Associates, Ltd. today, we can help stop collection calls, UCC 1 filings, asset sales, and wage garnishments. Our office also offers a free bankruptcy evaluation with an Aurora bankruptcy attorney. Call (847) 868-2265 to schedule a meeting at one of our seven convenient Chicagoland locations.  

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



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