When either an original creditor or a collection agency attempts to collect a debt, there are strict federal and state guidelines they must follow. If these guidelines are not followed, the creditor may be liable for actual damages, statutory damages, and punitive damages.

At Mills Schmitz Halstead & Zaloudek, we can advise you of your legal rights and potential remedies if you are subject to abusive collection tactics by creditors. We can further represent a debtor in federal or state court in the event that debtor is subject to these collection practices.