Legal Question in Credit and Debt Law in Wisconsin

Re: colecting a debt

You have many rights against a creditor

as a debtor undergoing collection, under

both state and federal law. Many of the

remedies include actual reasonable attorney

fees for violations, and even punitive damages

against the creditor. The bottem line,

however, is that the court system is just

too cumbersome and expensive to make their

use practical when small amounts are at stake, to say

nothing of the fact that you could always spend a

ton of money litigating such a dispute and end up losing.

A far more practical remedy for consumers is a

chapter 7 bankruptcy, which is pretty much of a sure thing

for most unsecured debts, and which costs far less

than litigating consumer act violations. Another

benefit of chapter 7 is that it deals with all your

creditors in one stroke and for far less money than

the cost of dealing properly with any one of them individually.

I'd be more than happy to send you some free reading

material on your rights if you wanted to give me either a snail mail

or an e-mail address. Send a private e-mail or call if you are

interested. Law Guru also has some of these same

materials and might be posting them soon.