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Illinois Notice to Debt Collector - Unlawful Publishing of a Debt to Coerce Payment

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US-DCPA-31
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Description

Use this form to notify a debt collector they violated the Fair Debt Collection Practices Act (FDCPA). Receiving notice from a consumer makes it more likely a debt collector will comply with the FDCPA. If they don't comply after receiving notice, your notice letter may help prove that their actions were intentional.

Section 806 of the Fair Debt Collection Practices Act says a debt collector may not harass, oppress, or abuse any person in connection with the collection of a debt. This includes:
  • Publishing a list of consumers who allegedly refuse to pay debts except to a credit reporting agency as permitted by law.
  • Advertising the sale of any debt to coerce payment.

    A debt collector may not shame a consumer into paying their debt by publicizing it.

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    How to fill out Illinois Notice To Debt Collector - Unlawful Publishing Of A Debt To Coerce Payment?

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    FAQ

    In Illinois, the Statute of Limitations on debt ranges from 5 years to 10 years. Some debt collection agencies buy old debts, out the Statute of Limitation period for pennies on the dollar from the original creditor in order to collect what they can.

    If a debt collector fails to verify the debt but continues to go after you for payment, you have the right to sue that debt collector in federal or state court. You might be able to get $1,000 per lawsuit, plus actual damages, attorneys' fees, and court costs.

    On debts based on written contracts, the statute of limitation is 10 years. On unwritten contracts, it's 5 years.

    In Illinois, the Statute of Limitations on debt ranges from 5 years to 10 years. Some debt collection agencies buy old debts, out the Statute of Limitation period for pennies on the dollar from the original creditor in order to collect what they can.

    On debts based on written contracts, the statute of limitation is 10 years. On unwritten contracts, it's 5 years.

    They can sue you, or threaten to sue you, in court. They can send you letters or call you. Within 5 days of the first time they contact you, debt collectors have to send you a written notice about the debt (see below). If you receive a Complaint and Summons , this means a lawsuit has been filed.

    On debts based on written contracts, the statute of limitation is 10 years. On unwritten contracts, it's 5 years.

    If you owe several debts, any payment you make must be applied to the debt you choose. A debt collector may not apply a payment to any debt you believe you do not owe. You have the right to sue a debt collector in a state or federal court within one year from the date you believe the law was violated.

    More info

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    Illinois Notice to Debt Collector - Unlawful Publishing of a Debt to Coerce Payment