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Facing Debt Collectors? When to Hire a Lawyer in Wisconsin

Posted by Nathan DeLadurantey | Jul 10, 2024

Debt collection can be stressful and confusing. In Wisconsin, you have rights protecting you from unfair practices. But navigating the legal system alone can be daunting. Here's how to decide if hiring a lawyer to defend you in a debt collection case is the right move.

Understanding Your Situation

First, assess the details of your case:

  • Is the Debt Valid? Ensure the debt truly belongs to you and the amount is accurate. Review any paperwork you receive from the collector.
  • Are They Using Unfair Practices? Debt collectors have limitations on communication methods and threats they can make. Familiarize yourself with Wisconsin's laws that regulate collections. 

Benefits of Hiring a Lawyer

While you can represent yourself in court, a lawyer specializing in consumer rights offers significant advantages:

  • Legal Expertise: They understand Wisconsin's debt collection laws and can assess if the collector violated your rights. This knowledge strengthens your defense.
  • Strategic Guidance: They'll advise you on the best course of action, whether it's negotiating with the collector, disputing the debt, or filing a countersuit for FDCPA violations.
  • Negotiation Skills: Lawyers are skilled negotiators and can potentially negotiate with the collector to reduce the debt or create a manageable payment plan.
  • Representation in Court: If your case goes to court, a lawyer will represent you, ensuring proper procedures are followed and advocating for your rights.

When to Consider Hiring a Lawyer

Here are some situations where legal representation is highly recommended:

  • Complexities: If the debt is significant, the situation involves multiple creditors, or you suspect identity theft, a lawyer can provide invaluable guidance.
  • Harassment or Threats: If the debt collector is engaging in harassing or threatening behavior, a lawyer can help stop them and potentially seek legal recourse.
  • Suing the Collector: If you believe the collector violated your FDCPA rights, a lawyer can advise you on filing a countersuit.
  • Wage Garnishment: If the collector is attempting to garnish your wages, a lawyer can help ensure they follow legal procedures and protect your income.

Qualifying Questions to Ask Potential Lawyers

  • Experience with Debt Collection Cases: Ensure they have experience handling cases similar to yours.
  • Fees and Payment Structure: Understand their fees upfront, including hourly rates or flat fees (if applicable).
  • Communication Style: Choose a lawyer you feel comfortable communicating with openly and who clearly explains your options.

Remember: Don't delay seeking help! Time limits might apply for filing claims against debt collectors. The sooner you consult with a lawyer, the better they can assess your case and strategize your defense. With the right legal representation, you can fight for your rights and potentially find solutions to manage your debt situation.

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

About the Author

Nathan DeLadurantey

Nathan DeLadurantey ATTORNEY [email protected] Nathan is a skilled consumer lawyer who handles cases and trials all over Wisconsin. Phone consultations are always free and welcomed. Nathan has helped clients receive large jury verdicts and settlements stemming from consumer law violations, and is ready and able to assist.


The DeLadurantey Law Office, LLC is committed to answering your questions about Vehicle Repo's, Credit Report/Identity Theft, Auto Fraud, and Debt Collection Abuse law issues in Wisconsin.

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