Legal Question in Credit and Debt Law in Illinois

creditors

I would like to know how many times a collection angency can call your home a day. I have a collection agency calling my home 2-8 times a day. They start at 8:00AM and the last call is around 9:00PM: When they call they never say anything. My husband and I are on social security disability.Can our checks be garasheed(SP) or can a judge order us to pay this bill out of out ss?We do not have any assets except an old car.


Asked on 5/31/06, 8:02 pm

1 Answer from Attorneys
Thomas Moens Moens Law Offices, Chartered

Re: creditors

It sounds as if they might be violating the Fair Debt Collection Practices Act, since these calling and then hanging up several times a day could be considered harassment. Take a look at

http://www.pueblo.gsa.gov/cic_text/money/fair-debt/fair-dbt.htm

They should not be able to garnish your social security. For a list of what they cannot take, look at

http://www.19thcircuitcourt.state.il.us/self-help/s_claims/after_the_judgment.htm

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Answered on 6/01/06, 2:03 pm


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