For many people, the debt collection process is complex as well as stressful. Accordingly, it’s vital consumers know how the process works to ensure their rights are being upheld. In Wisconsin Rapids, WI, Luke A. Weiland Attorney at Law can answer tough questions regarding the collection of debt, as well as help clients fight back against violations of their rights.

4 Common Debt Collection Questions

1. What Is the Fair Debt Collection Practices Act?

Enacted by the Federal Trade Commission, the Fair Debt Collection Practices Act protects consumers against overzealous or nefarious methods of collecting debt. The act covers a wide range of personal debt and establishes standards for collection. For instance, debt collectors are not permitted to harass or abuse debtors and must provide written notice regarding the details of the money owed.

2. How Does the Collection Process Work?

The person or company that owns your debt can enlist help when attempting to collect. This often entails working with a debt collection agency or attorney, who will be responsible for all subsequent collection attempts. In most cases, the official process won’t begin until the amount has gone unpaid for some time, usually a period of 60 days or more.

3. Can I Dispute a Debt Collection Letter?

You can dispute a debt collection letter if you believe the information is not accurate. To do so, you must send a letter to the collection agency stating the issue and that you’d like all attempts to stop. If they persist, securing the assistance of an experienced attorney is highly recommended.  

4. How Can I Win a Debt Collection Lawsuit?

You can also sue a debt collector if you feel your rights have been violated. Timely action is crucial in this case, as you have one year to initiate your suit after a violation has occurred. In terms of damages, you can pursue lost wages or recoup medical bills, provided you can prove a direct correlation between the attempts and the money lost. Any court fees incurred may also be reimbursed.

When you’re in search of a skilled lawyer who will help you fight against unfair debt collection practices, Luke A. Weiland Attorney at Law is here for you. Schedule a consultation in Wisconsin Rapids today by calling (715) 422-6808. You can also visit his firm online for a full listing of practice areas.