Debt Collection Defense
Law Office of Vincent C. Machroli, P.C.
High Point Plaza, 4415 West Harrison Street, Suite 213, Hillside, IL 60162
High Point Plaza, 4415 West Harrison Street, Suite 213
Hillside, IL 60162



Oak Park, IL Debt Collection Defense Attorney

oak park debtors rights lawyer

Debtor's Rights Lawyer in Maywood, Hillside, La Grange, and Across the Area

When you are behind on your bills and being hounded by creditors, it can be very stressful for both you and your family. With the phone ringing non-stop and the mail piling up with collection letters, many consumers do not know how to handle it. Regardless of your financial situation and how much debt you have, there are solutions available to help put your life back on track. The best place to start is to speak with an experienced debt collection defense attorney about your specific circumstances.

For over 30 years, the Law Office of Vincent C. Machroli, P.C. has helped clients facing financial problems and bankruptcy in DuPage County, Cook County, and all other counties throughout the greater Chicago metro area. We have in-depth knowledge of the most effective debt collection defense strategies, and we put our experience to work to provide the skilled and personalized legal representation our clients deserve.

We are honest, straightforward, responsive and compassionate. We understand that many good people experience financial problems. We are not here to judge anyone, just to take an honest look at your finances so that we can develop the most practical and effective strategy toward a favorable resolution.

Debt Collection Defense in DuPage and Cook Counties

When you have creditors after you, there are several potential strategies to resolve the situation. First of all, you should be aware that even if the debt is valid, this does not give creditors the right to harass you in violation of the Fair Debt Collection Practices Act (FDCPA). Some of the most important restrictions imposed by the FDCPA include restrictions on calling repeatedly (more than once daily), using profane language, calling at inconvenient times and places, making misleading or false representations, and contacting a debtor who is represented by an attorney. If a creditor is harassing you in any way, contact our office and we can take action to put a stop to it.

A large number of debts are sold to third party collectors, which tends to make the collection process more complicated. This opens up several potential debt collection defenses. Some of the most common include:

  • The sale of the debt to the third party was not documented properly;
  • The party lacks sufficient evidence that you actually owe the debt;
  • The party does not have standing to initiate the collection activity or lawsuit;
  • The debt in question is beyond the statute of limitations;
  • The debt is not yours and/or is the result of fraudulent activity;
  • The debt has already been paid in part or in full; and
  • The debt has been discharged through Chapter 7 bankruptcy.

We work closely with our clients to thoroughly examine each debt they owe to determine if one or more of these (or other) defenses can be used as leverage during negotiations. In many cases, we are able to negotiate very reasonable settlements with creditors without the need for litigation. There are times, however, when the amounts owed are still too much for you to handle, and bankruptcy is the best alternative.

Do Not Ignore your Creditors

Being chased by debt collectors is very stressful, and many consumers react by ignoring them until they "go away". While this reaction is totally understandable, it will only make the situation worse. If you ignore your creditors, they may eventually bring a lawsuit against you, resulting in a court judgment. While bad debts only damage your credit report, unpaid judgments can result in bank account seizures, wage garnishments, and liens on real estate property. In addition, they can hinder your ability to rent an apartment, buy a car, or even obtain employment.

At the Law Office of Vincent C. Machroli, P.C., we are here to stand by your side during this difficult time. We will assess your financial situation for you, and we will deal directly with your creditors so we can work out the best possible arrangement to resolve your debts. For a free initial consultation with our debt collection defense lawyer, contact our office today at 708-449-7404. We serve clients in Maywood, Forest Park, Melrose Park, Berkeley, Bellwood, Westchester, Broadview, River Forest, La Grange, and Elmhurst, as well as DuPage County, Cook County, and throughout the area.

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