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Collection law deals with obtaining debt from someone that owes you money. Lawyers who we have categorized as handling commercial litigation also often deal with collection cases.

Once a collection attorney has been hired, the collection process usually starts with a demand letter being sent to the borrower followed up by telephone calls in the event the borrower doesn’t respond. If there still is no response to communications, a lawsuit will likely happen. If the judge rules in the plaintiff’s favor, a judgment will be entered against the defendant allowing post judgment procedures such as the garnishment of wages, a levy, or foreclosure to occur.

Collections law is governed by the Illinois Collection Agency Act, the Illinois Consumer Fraud and Deceptive Practices Act, and the Federal Fair Debt Collection Practices Act. The attorneys that handle these cases usually charge by the hour unless the debt is large enough to handle on a contingency basis and they think they will not only win, but also be able to collect from the defendant.

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