350 S. Northwest HWY, Ste. 300
Park Ridge, IL 60068
(847) 701-5290 (v)
info@warnerlawllc.com (e)
* By Appointment Only

             No Email or Phone  Solicitations Please          
Unfair Debt Collection / Aggressive Debt Collectors

Some debt collection letters can be false and misleading as they do not make honest representations.  Courts can award up to $1,000 in statutory damages upon a finding that the Fair Debt Collection Practices Act (“FDCPA”) was violated.  Debt collectors who contact debtors at unreasonable hours, continue contacting a debtor after the debtor has requested them to stop, or contact the debtor's employer informing the employer about the debt either by fax, mail or telephone, potentially violate the FDCPA.

If you are being threatened by a debt collector with being taking to jail or that they will contact other persons about your debt, contact Warner Law Firm, LLC.

Some debt collectors may not be able to prove that you owe the debt or their claim is time barred as they failed to bring it within the number of years required by the applicable statute of limitations.   If you are being sued by a debt collector, contact Warner Law Firm, LLC.

Fair Credit Reporting Act

Under the Fair Credit Reporting Act ("FCRA") entities that report information about you to credit reporting agencies must report correct and accurate information.  If you have disputed information on your credit report and the reporting entity has not corrected the matter, you may have a cause of action under the FCRA.  

If you have a credit card sales receipt that shows:
(1) all of your credit card number; and/or
(2) the expiration date
you may have a cause of action under the FCRA

A willful violation of the FCRA provides statutory penalties of $100 to $1,000.  
Actual damages are recoverable under the FCRA for either a negligent or willful violation.  

Junk Faxes - Unsolicited Text Messages - Pre-Recorded Phone Messages

If you receive unsolicited advertisements via your fax machine or unsolicitied text messages or pre-recorded messages on your cell phone, you may be able to recover up to $1,500 for each willfull violation of the Telephone Consumer Protection Act (“TCPA”).  A non-willful violation of the TCPA could entitle you to $500 per violation.