So you want to sue a collection agency for harassment? Read below for some options!
If a collection agency is harassing you, you may be able to sue them for violating the Fair Debt Collection Practices Act (FDCPA), which is a federal law that sets standards for how debt collectors can communicate with consumers. You may also be able to sue them under the Wisconsin Consumer Act (WCA). You can always schedule a free consultation with Attorney Nate DeLadurantey and he would be happy to answer your questions! Meanwhile, here are a few ideas:
The FDCPA prohibits debt collectors from engaging in a variety of harassing or abusive behaviors, including:
- Calling you repeatedly or at unreasonable hours
- Using profane or abusive language
- Threatening legal action they cannot or will not take
- Falsely claiming to be law enforcement or an attorney
- Disclosing your debt to third parties
If a collection agency violates any of these rules, you may be able to sue them for damages, including actual damages (such as emotional distress), statutory damages (up to $1,000), and attorney's fees.
To sue a collection agency, you should first gather evidence of the harassment, such as phone logs, voicemails, or letters. You may also want to consider working with a consumer law attorney who can advise you on your rights and represent you in court if necessary.
Keep in mind that suing a collection agency can be a lengthy and costly process, so you should weigh your options carefully and consider whether there are other ways to resolve the issue, such as filing a complaint with the Consumer Financial Protection Bureau or seeking help from a credit counseling agency.
Some people feel like talking to a lawyer is intimidating - or that they'll get stuck with a large bill. As you can see from the reviews of other people that received a free consultation (or were a client), Attorney DeLadurantey is always welcome to provide free consultations and is easy to talk with. Pick up the phone and make sure your rights are being protected. We provide representation in cases in Wisconsin, including Racine, Kenosha, Green Bay, Appleton, the Fox Valley, Milwaukee, West Allis, Waukesha, Walworth County, Dane County, Madison, La Crosse, Eau Claire, Superior, Ashland, and anywhere in-between.