Image Image Image Image Image Image Image Image Image

The Illinois Collection Agency Act Protects You

If a collection agency violates any of the provisions of the law, the state can enforce the violations by issuing fines, placing the agency on probation and/or suspending or revoking the collection agency’s license. As consumer protection attorneys we help consumers stop debt collectors.

Stop Debt Collectors

Contact Us Today

Get A Free Case Review
(free instant download)

Violations include the following:

  • Threatening violence or physical harm
  • Threatening arrest or criminal prosecution without legal basis
  • Threatening seizure, attachment or sale of a consumer’s property where it can only be done pursuant to court order, without disclosing that prior court proceedings are required
  • Disclosing or threatening to disclose information adversely affecting a debtor’s reputation for credit worthiness with knowledge the information is false
  • Communicating with the debtor or any member of the debtor’s family at such a time of day or night and with such frequency as to constitute harassment
  • Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass
  • Communicating with the consumer or any member of his or her family at any unusual time or place or a time or place which should be known to be inconvenient to the consumer
  • Using profane, obscene or abusive language
  • Disclosing or threatening to disclose information relating to a consumer’s debt to any other person (with a few exceptions)
  • Attempting or threatening to enforce a right or remedy with knowledge or reason to know that the right or remedy does not exist (i.e. threatening to take legal action that cannot be taken)
  • Misrepresenting the amount of the debt alleged to be owed
  • Representing that the debt collector is an attorney at law or an agent for an attorney if he is not
  • Communicating or threatening to communicate with a consumer when the debt collector is informed in writing by an attorney that the attorney represents the consumer
  • Engaging in dishonorable, unethical, or unprofessional conduct of a character likely to deceive, defraud, or harm the public
  • Communicating with a consumer after the consumer has advised the debt collector in writing that he or she refuses to pay a debt or that he or she wishes the debt collector to cease further communication (with a few minor exceptions)

The laws described on this page are set forth in full in the Illinois Compiled Statutes, Chapter 225, Act 425, Sections 1-27.

Have you been contacted by a debt collector?
Call us at (877) 846-1209 for a free case review!

In addition to rules covering the actions of creditors and collection agencies under your state’s laws, the Fair Debt Collection Practices Act (FDCPA) provides rules protecting consumers from illegal actions of debt collectors, and it applies equally in every state. This means that even if your state laws cannot help you, the FDCPA applies in many more situations.

In fact, certain sections of the laws listed in the available download may have been redacted for brevity.

If you want to find out more about how these laws pertain to your specific situation, please call us at (877) 846-1209 for a free case review with an experienced consumer law attorney. If you prefer, fill out our free case review form and we will contact you.