Legal Question in Credit and Debt Law in Wisconsin

These are fairly typical of the tactics often employed by unethical bill collectors and scammers against the elderly and vulnerable among us. Such behavior is illegal and should be reported to law enforcement, but it is unlikely that most local agencies will have sufficient resources to pursue such matters. You also have various rights to sue under the FDCPA or fair debt collection practices act but this can become very expensive. As a practical matter, the cheapest, most effective way to scare away the collectors would be to assist your parents in filing a bankruptcy, ot, at minimum, with setting up an initial conference with a bankruptcy attorney. A bankruptcy stay and subsequent discharge in bankruptcy provides the consumer with such powerful remedies against the collectors that they rarely continue their violations and the underlying debt is legally forgiven. Many different debts are resolved via one piece of litigation., providing a great return on your investment in legal fees and court costs. My comments here are not legal advice, nor do they create an attorney client relationship between us. However, you are welcome to contact my office to discuss retaining me or to set up a free initial consultation at my office in Racine. I also can sometimes arrange to travel outside of Racine for initial consultations.