Debt collection can be a stressful experience, but it's especially frustrating when debt collectors resort to abusive tactics. In Wisconsin, there are laws in place to protect consumers from such behavior. If you believe you're a victim of debt collection abuse, here's what you can do:

Understanding Your Rights

• Fair Debt Collection Practices Act (FDCPA): This federal law limits how debt collectors can contact you and what they can say.
• Wisconsin Consumer Act: This state law provides additional protections for consumers, including limitations on how debt collectors can contact you and what information they can collect.

Common Debt Collection Abuse Tactics

Debt collectors may use various tactics to pressure you into paying a debt. Some common abusive practices include:

• Harassment and Abuse: This includes threats, swearing, or using obscene language.
• False Threats: Debt collectors may falsely threaten legal action or arrest.
• Deceptive Practices: This includes lying about the amount of debt or the legal consequences of non-payment.

How to Respond to Debt Collection Abuse

1. Document Everything: Keep a record of all interactions with the debt collector, including dates, times, and a summary of what was said.
2. Send a Cease and Desist Letter: A cease and desist letter can be an effective way to stop harassing behavior. Consult with an attorney to draft a formal letter.
3. File a Complaint with the Consumer Financial Protection Bureau (CFPB): The CFPB is a federal agency that oversees consumer financial products and services, including debt collection.
4. File a Lawsuit: If you've suffered significant harm due to debt collection abuse, you may be able to file a lawsuit against the debt collector.
5. Consult with an Attorney: An attorney can advise you on your legal rights and help you take appropriate action.

Additional Tips

• Don't Engage with Aggressive Debt Collectors: If a debt collector is being aggressive or harassing, hang up the phone.
• Verify the Debt: Ask the debt collector to provide written verification of the debt, including the amount owed and the creditor's name.
• Negotiate a Payment Plan: If you can't pay the full amount at once, try to negotiate a payment plan with the debt collector.

By understanding your rights and taking appropriate action, you can protect yourself from debt collection abuse and resolve your debt in a fair and legal manner.

Attorney Nathan DeLadurantey offers free consultations to explain your legal rights in Wisconsin. Free consultations can be scheduled online.