Harrer Law, P.C.
Chicago, IL
Debt Collection DefenseFDCPA
Illinois attorney directory
Consumer protection attorneys in Cook County, IL
104 cities and 162 ZIP codes in Cook County. 2 attorney listings here so far.
Before you pay an attorney retainer
Want the calls in Cook County to stop? Start with a written letter.
Under the federal FDCPA (15 U.S.C. § 1692c(c)), once a debt collector receives your written request to stop contacting you, it must generally stop, with limited exceptions. You can send that request yourself, without a lawyer. We help you write it in a few minutes.
- ✓ Cites federal and Illinois law
- ✓ Ready in about 5 minutes
- ✓ PDF you can print and mail
One-time price, no subscription. Not a law firm and not legal advice. The outcome depends on the collector.
Wells Law – Chicago
Chicago, IL
Debt Collection AbuseFDCPAConsumer Rights
Cities in Cook County
- Chicago(2)
- Evanston
- Schaumburg
- Palatine
- Skokie
- Glenview
- Streamwood
- Wheeling
- Argo
- Argonne
- Arlington height
- Bedford park
- Bellwood
- Blue island
- Bridgeview
- Broadview
- Brookfield
- Burbank
- Burnham
- Calumet city
- Calumet park
- Chicago ridge
- Country club hil
- Crestwood
- Des plaines
- Dolton
- Elk grove villag
- Flossmoor
- Forest park
- Franklin park
- Glencoe
- Glenwood
- Golf
- Harwood heights
- Hazel crest
- Hickory hills
- Hillside
- Hines
- Hodgkins
- Hoffman estates
- Hometown
- Homewood
- Justice
- Kenilworth
- Lansing
- Lincolnwood
- Lyons
- Markham
- Matteson
- Mellon financial
- Melrose park
- Merrionette park
- Morton grove
- Mount prospect
- Niles
- Norridge
- North riverside
- Northbrook
- Northfield
- Northlake
- Oak forest
- Oak lawn
- Oak park
- Olympia fields
- Orland park
- Palos heights
- Palos hills
- Palos park
- Park ridge
- Posen
- Prospect heights
- Richton park
- River forest
- River grove
- Robbins
- Rolling meadows
- Rosemont
- Sauk village
- Schiller park
- South holland
- Stickney
- Stone park
- Thornton
- Tinley park
- University park
- Westchester
- Western springs
- Willow springs
- Wilmette
- World of beauty
- Worth
- Zcta 600hh
- Zcta 60467
- Zcta 604hh
- Zcta 605hh
- Zcta 606hh
- Zcta 60706
- Zcta 60707
- Zcta 60712
- Zcta 60803
- Zcta 60804
- Zcta 60805
- Zcta 60827
- Zcta 608hh
Your rights against debt collectors in Cook County, IL
- Cook County covers 104 cities and towns and 162 ZIP codes, including Chicago, Evanston, Schaumburg.
State law on top of the FDCPA
People in Cook County, IL are protected by the federal Fair Debt Collection Practices Act and by Illinois's own Illinois Collection Agency Act (225 ILCS 425). State laws can cover original creditors too, not just collection agencies.
Legal calling hours here
Collectors may not call before 8:00 a.m. or after 9:00 p.m. your local time (§ 1692c(a)(1)). Cook County, IL is on Central time — note the exact time of every early or late call. Log calls for free.
Small claims court
Illinois small claims courts commonly hear cases up to about $10,000. FDCPA claims can also be filed in federal court, where the law lets you recover attorney's fees. Your local court is the Cook County court. Limits change, so confirm with the court clerk before filing.
Where to complain
File with the CFPB and the Illinois Attorney General. See our complaint guide.
Sources you can check
- Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692–1692p (Cornell Legal Information Institute)
- Regulation F, 12 C.F.R. Part 1006 (CFPB)
- FTC debt collection FAQs
- Illinois Collection Agency Act (225 ILCS 425) — look up the official text
- Illinois Attorney General (National Association of Attorneys General)
Last reviewed: by the StopAndDesist editorial team. General information, not legal advice.
Being contacted by a collector in Cook County?
You can require a collector to stop contacting you in writing, today, without hiring an attorney first. Keep a record of every call while you do it.