Debt Collection

Options, rights, strategies, and exemptions when facing collection on outstanding loans or debts.

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Debt Collection

This article explains the Fair Debt Collection Practices Act (FDCPA), a law that protects you from unfair debt collectors. You’ll learn what collectors can’t do, how to stop unwanted contact, and how to challenge a debt. We’ll also cover how to report violations and take legal action if needed.

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Repossession

This article discusses repossession, where a creditor takes back property, like a car, due to unpaid loans. It explains your rights in Wisconsin, including what items can be repossessed and the process creditors must follow. If your property is taken, you have 15 days to pay your debt and get it back. It also offers guidance on what to do if your rights are violated during repossession.

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Debt Collection Lawsuit

This article explains how to respond if you receive a summons for an unpaid debt. Don’t ignore it! It also discusses defenses against the lawsuit, such as proving you don’t owe the debt or that the collector lacks proper paperwork.

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Garnishment by Private Creditors

This article covers garnishment, which is when money is taken from your paycheck or bank account to pay a debt. It will detail the two different types of garnishment.

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Forms & Templates

To see if your county offers specific forms or templates, enter your county.

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TEMPLATE: Letter to Lender - I Disagree with Default Notice

Use this sample letter if you want to tell the creditor you disagree with the notice of default.

How to use this sample letter:

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TEMPLATE Letter to Object to Repossession.docx

TEMPLATE: Letter to Debt Collector - Stop Contacting Me

Use this sample letter if you want to tell the debt collector to stop contacting you. It also includes language you can add if you want to dispute the debt as well.

How to use this sample letter:

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TEMPLATE Stop contacting me letter to send to creditors.docx

TEMPLATE: Letter to Debt Collector - Provide Proof of My Debt

Use this sample letter if you want to tell the debt collector that you believe they are trying to collect a debt you do not owe and you want them to provide proof of the debt and the amount.

How to use this sample letter:

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TEMPLATE Validation Letter.docx

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