Legal Question in Credit and Debt Law in Illinois

Unfortunately debt collectors in Illinois have to go through certain procedures, and one is to contact you -- and this they will do aggressively today. You could tell them you will report them to the Illinois Attorney General or State's Attorney for abusive practices, but some may not care. Ultimately, if this is a land line and you have a cell phone, get rid of the land line or get an answering machine, or get a new phone line that is unpublished, or figure out a way to pay up through some kind of debt relief program. Or just unplug the phone except when you want to make a call.

The response given is not intended to create, nor does it create an ongoing duty to respond to questions. The response does not form an attorney-client relationship, nor is it intended to be anything other than the educated opinion of the author. It should not be relied upon as legal advice. The response given is based upon the limited facts provided by the person asking the question. To the extent additional or different facts exist, the response might possibly change. Attorney is currently licensed to practice law only in the State of Illinois. Responses are based solely on Illinois law unless stated otherwise.

It depends on whether this is the original creditor or a debt collector. For example, if you have an ABC credit card, ABC is not restricted in contacting you, however, XYZ Debt Collectors, or 123 Attorneys are governed by the Fair Debt Collection Practices Act.