Consumer Debt / Collections
Consumer Debt/Collections
Consumer Debt/Collections deals with consumer rights in the face of abusive debt collection practices. Consumer protection laws give people rights against their creditors; it protects people being sued by debt collectors. It seeks to either allow for fair debt collection or provide the consumers with alternative paths to contest the validation of debt information in cases where the information used by debt collectors is inaccurate.
JEP lawyers working on Consumer Debt/Collections provide services that may include:
- Help with consumer disputes
- Fighting debt collector harassment
- Violations of the Fair Debt Collection Practices Act (FDCPA) (225 ILCS 425/1)-which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debt from a consumer.
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Rob Harrer
When a debt collector contacts you, you can contact Rob. Rob sues debt collectors and defends people against debt collection lawsuits. The Fair Debt Collection Practices Act (FDCPA) regulates what debt collectors can and cannot do. Sometimes as little as a single letter or phone call from a debt collector can be a violation of the FDCPA. Rob sues these violators at no cost to his clients. If he wins, the debt collector must pay Rob’s costs and fees. Rob is often able to settle cases and have the debt deleted, negative collection information removed from the credit report, and monetary damages awarded to his clients. Rob also defends people being sued by debt collectors. For defense cases, he charges a modest flat fee. When defending against collection lawsuits, Rob looks for FDCPA violations to turn the tables on the debt collector. Rob’s practice focuses solely on the FDCPA and collection defense.
You can contact Rob, an alumnus of the JEP, at 312-858-3238 or rob.harrer@cclc-law.com. This firm does not charge a consultation fee.
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Jason Shimotake
The Shimotake Law Firm, LLC
Serves in Cook, DuPage, Kane, Lake, McHenry, and Will Counties
Jason Shimotake is an experienced attorney dedicated to helping people get out of debt. He honed his skills on the Southside of Chicago – in neighborhoods like Chatham, Roseland and South Shore – filing Chapter 7 bankruptcy and Chapter 13 bankruptcy. Jason’s tenure in debt and financial counseling spanned the collapse of the housing market and an economic recession. He heard the stories of strong and resilient people who suddenly lost their jobs. The mother and father of three beautiful girls, on the verge of losing their home to foreclosure. The single mother piecing together rent and daycare expenses with two part-time jobs. Hard-working people who found themselves with nowhere to turn to. Those stories changed Jason’s life. These stories are what push him to to do more. He has counseled thousands of clients through difficult financial times. Jason’s mission is to see what he can do to make sure that you are safe. He’s here to help.
Jason can be reached at (312) 620-6499 or theshimotakelawfirm@gmail.com. This firm does not charge a consultation fee for standard 30 minute consultations. The firm charges $150 for a one-hour consultation that includes document review and a written memo.
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Seth McCormick
Seth McCormick protects consumers and small businesses from the monied interests of banks, lenders and debt collectors. Seth spent the lion’s share of his career representing banks and hedge funds in collecting money owed to creditors. Now, Seth uses the tools and laws afforded to consumers to stop these institutions in their tracks. As an experienced litigator, Seth believes there are meaningful solutions for his clients that provide for efficient resolution of their problems. Seth can help you if you are facing foreclosure or debt collection. He can also represent you if you are being harassed by creditors, if you have been taken advantage of by a company, if a company or creditor is unfairly making negative reports to credit reporting agencies, if a company has engaged in unfair or deceptive trade practices in your dealings with them. If you are involved with a lender, a collection agency, a credit bureau or any other creditor, Seth McCormick can help. Seth represents people from all walks of life. He encourages you to contact him regardless of whether or not you think you can afford it. There are creative ways to structure payment, and it is possible that for certain claims he can represent you at no charge.
Seth can be reached at seth@glclf.com or (312) 971-6787. This firm does not charge a consultation fee.
