In the state of Illinois certain types of practices by collection agencies are unlawful. The FDCPA laws are followed in this State to maintain a peaceful coordination between the creditors and the debtors. Illinois Debt consolidation helps you to lead a debt free life. The creditors have to follow some strict debt collection laws.

• The debt collector cannot collect a particular amount of money that is not approved by the law or the creditor.
  
  
• Ask you for, deposit or accept any post-dated check during the transaction.
  
  
• They are not allowed to charge you for their contacts and communications such as phone calls or telegram fees.
  
  
• They are not allowed to expose your personal matters by making contacting through postcards or using any indicative symbol or initial that shows that the communication is from a debt collector.
  
  
• They are not by all means allowed to contact your employer or neighbours to gather personal information regarding your personal where abouts.
  
  
• The collection agency must send you a written notice within a span of five days of its first contact with you. The written notice should convey certain important points like, the amount of money you owe and the name of the creditor to whom you owe the debt amount.
  
  
• According to the FDCP Act, if you do not negotiate or correspond with the collection agency regarding the debt amount within 30 days, the document and the debt amount will be assumed correct.
  
  
• The collection agency is bound to give you the name and address of the original creditor, if you enquire.
  
  
• If you dispute the whole debt claimed or a part of it within the 30-day period, then the collection agency must stop collection of the debt, or any disputed portion of it. If, within the 30-day period, you request the name and address of the original creditor, the collection agency must stop collection activity until they mail that information to you.
  
  
• You have the right to obtain certain information. You can find out information reported about you, the sources of the information, and who asked for credit information about you. The debt collection agencies are bound to give you this information.

Debt Consolidation Help You :

Consolidate debt payment

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Reduce interest rates

Waive late fees

Eliminate collection calls

Avoid Bankruptcy

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