Navigating Debt Collection with Stelmach & Stelmach, LLP
If you’re facing challenges with debt collection, understanding the practices of law firms like Stelmach & Stelmach, LLP is crucial. This law firm provides legal services to clients dealing with debt-related issues, including defense against aggressive debt collectors and other consumer protection matters. Understanding their practices and your rights as a consumer can help you take control of your financial situation.
📍 Contact Information for Stelmach & Stelmach, LLP
Chicago Office:
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Address: 211 E. Chicago Avenue, Suite 850, Chicago, IL 60611
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Phone: (312) 642-2160
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Fax: (312) 642-1072
🛡️ Debt Collection Practices: What You Need to Know
Stelmach & Stelmach, LLP offers representation for clients who are subject to aggressive or unlawful debt collection tactics. Debt collection practices may include:
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Communication Initiation: Debt collectors may contact you through letters, emails, and phone calls to inform you of the debt and request payment.
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Negotiation: The firm can help you negotiate debt repayment terms that are manageable and fair, including settlement options.
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Litigation: In certain cases, debt collectors may file lawsuits to secure judgments. Stelmach & Stelmach, LLP can defend your rights in these situations.
🔒 Your Rights Under the Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) was created to protect consumers from abusive debt collection practices. As a consumer, you are entitled to:
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No Harassment: Debt collectors cannot harass, oppress, or abuse you.
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Limited Contact Times: Debt collectors cannot contact you at inconvenient times, such as before 8 AM or after 9 PM, unless you agree.
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Debt Validation: You have the right to request validation of the debt within 30 days of the first communication.
If you feel that your rights have been violated by debt collectors, you can file a complaint with the (CFPB) or seek legal advice from a firm like Stelmach & Stelmach, LLP.
⚖️ Steps to Take If Contacted by a Debt Collection Law Firm
If you are contacted by Stelmach & Stelmach, LLP or any other debt collection law firm, here are steps you should take:
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Stay Calm and Gather Information:
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Take note of the debt collector’s name, the firm’s name, and their contact information.
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Request written confirmation of the debt.
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Verify the Debt:
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Confirm that the debt is yours and check the amount owed.
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Review the statute of limitations for debt collection in your state.
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Communicate in Writing:
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Always request written communication for record-keeping.
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If you dispute the debt, send a debt verification letter within 30 days of the initial contact.
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Seek Legal Counsel:
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Consult with a consumer rights attorney like Stelmach & Stelmach, LLP to explore your options and understand your rights under the law.
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⚖️ How Consumer Rights Law Firm PLLC Can Assist You
If you need additional assistance with debt settlement or defense, Consumer Rights Law Firm PLLC is here to help. Our team specializes in protecting consumers from unfair debt collection practices. Here’s how we can support you:
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Debt Negotiation:
We work with creditors and debt collectors to help you negotiate manageable payment terms and settlements. -
Legal Representation:
If you’re facing a lawsuit or legal action, our attorneys defend your rights and protect you from unjust judgment enforcement. -
FDCPA Violations:
If your rights under the Fair Debt Collection Practices Act (FDCPA) have been violated, we’ll pursue claims against those debt collectors.
📞 Contact Us Today
If you’re ready to take control of your financial future, Consumer Rights Law Firm PLLC is here to guide you. We offer free consultations and expert legal advice to protect your rights and help you settle your debts.
📞 Phone: 877-700-5790
🌐 Website: Contact Us – Consumer Rights Law Firm PLLC
Protect your rights and take control of your financial future with our expert assistance.