If you’ve fallen behind on bills, you already know how overwhelming the calls from creditors can become. Collectors often call multiple times a day, sometimes from different numbers, just to get you to pick up. What starts as a nuisance quickly turns into constant stress, interrupting your work, your evenings at home, and even your sleep.
The good news is—you are not powerless. You have rights under the law, and you have options, including bankruptcy, that can stop those calls immediately and give you room to breathe again.
Step 1: Know Your Rights
Debt collectors are limited by the Fair Debt Collection Practices Act (FDCPA). While many follow the law, some cross the line. Under the FDCPA, debt collectors cannot:
- Repeatedly harass you with constant calls.
- Contact you at times they know are inconvenient (before 8 a.m. or after 9 p.m.).
- Use abusive or obscene language.
- Lie about what you owe or threaten false legal action.
- Publish your name or shame you for nonpayment.
If a collector violates the law, you have the right to take legal action—and in some cases, recover damages and attorney’s fees.
Step 2: Make Sure the Debt Is Legitimate
Before you make any payment, confirm that the debt is really yours. A debt collector must provide:
- The name of the creditor and the original account.
- The exact amount owed.
- Their name, company, address, and phone number.
- Instructions on how to dispute the debt.
Always take notes when speaking with collectors. If something seems off, request the information in writing. In fact, you can send a written letter (we provide clients with sample templates) to demand verification of the debt.
Step 3: Take Action Quickly
Your options depend on your situation:
- Old debts – If the debt is past the statute of limitations (in Illinois, 5 years for credit cards and 10 years for written contracts), collectors may no longer have the right to sue.
- Mistaken identity – If the debt is not yours, dispute it immediately in writing and request that all future contact stop.
- Debts you do owe – You may be able to negotiate a settlement or payment plan. But if the total debt is too overwhelming, bankruptcy may be the best option.
How Bankruptcy Stops Harassing Calls
When you file for bankruptcy, the automatic stay goes into effect. This federal court order instantly stops all collection activity: no more phone calls, no more letters, no more lawsuits, no more threats. Collectors who continue to harass you after a bankruptcy filing can face serious penalties.
At Borcia Adams Law, we have helped countless Illinois residents eliminate or restructure their debt through Chapter 7 or Chapter 13 bankruptcy. For many clients, the relief of having the phone finally stop ringing is one of the most powerful first steps toward peace of mind.
Free Phone Consultation — Stop the Calls Today
We offer free phone consultations to discuss your situation and your rights. From there, you can meet with us in person at our Lake County office or through a secure virtual appointment—whichever works best for you.
847-680-1110
tina@borciaadams.com
Offices conveniently located in Lake County, Illinois
Don’t let debt collectors control your life. The law gives you protections—and we can help you use them.