Defense of Collection Cases

Defense of Collection Cases

I occasionally represent consumers in cases brought against them by debt collectors in the Circuit Court of Cook County. Whether it makes financial sense to hire a lawyer or even defend any particular lawsuit depends on the consumer's financial circumstances, sources of income, property owned, the amount of the alleged debt, potential defenses to the lawsuit, etc. I can usually determine an appropriate flat fee to charge for representing a consumer in a collection suit. If you have been served with a summons and complaint in a lawsuit against you in the Circuit Court of Cook County, do not delay in contacting an attorney to evaluate your options.

See my Resources page for some handy resources on dealing with collection lawsuits in the Circuit Court of Cook County and reference to a few local outfits that help low-income consumers.

I don't do "debt settlement" because "debt settlement" is usually nonsense

Due to the unnecessary harm they cause consumers, I absolutely will not provide many of the "services" typically offered by "debt settlement companies", such as making frivolous disputes to debt collectors and consumer credit reporting bureaus and encouraging consumers to default on their debts without adequate consideration of the sometimes dire consequences. These companies are so hit or miss in their integrity and the quality of their work that they should be avoided like the plague. Period.

Responsible consumers and attorneys achieve many of the high impact results that these "debt settlement companies" achieve without the significant damage that nearly always come with following their advice and there is no shortage of quality material from responsible sources discussing consumer's rights to dispute debts to debt collectors under the Fair Debt Collection Practices Act (FDCPA), make reinvestigation requests to credit reporting agencies under the Fair Credit Reporting Act (FCRA), and make Qualified Written Requests to their mortgage companies/servicers under the Real Estate Settlement Procedures Act.