Bill Collector is harassing me, what can i do if anything. Live in Illinois.?

Question

I live in Illinois, and have an unsecured loan with a ligitamite loan company. If the payment is more than two days late, they call me on the phone 3-5 time a day. I got mad and decided that they are the last bill that gets paid. The bill is two months late. Not only do they call everyday, but they have called my neighbor asking for me. They have recently sent me a letter that states that they are going to take me to court, and a summons will be issued soon. They want the whole amount of the loan, and all I want to do is make my damn payments. What options do I have? I do not want to file Chapter 13 or 7 Can I sue these people for harassment?

Answer 1

You should've paid your debt. I've never heard of a company calling two days after a payment is due, usually most places will call after a few weeks or months have gone by with no payment.
I'm curious as to how they got your neighbor's number, unless you put them as another contact or they were a cosigner. To me, that would be harassment if you didn't do either of those.

Of course, you should not have picked a war with the credit company. Whether you are upset with them or not, you are only ruining your own credit report, not theirs. They just want their money back that you owe them.

I would recommend attempting to get another loan, through a different bank or lender, then using that to pay off this place, then don't make late payments to your new loan. Always pay on time, and pay extra when possible.

As far as the court thing, you need to handle that between this lender. Or contact a lawyer.

Answer 2

It sounds to me like you declared war on the wrong end of a possible win. First many states now have it set up to benefit the companies. They can state the amount of payment that they are willing to accept, especially after it has gone into default. Gone are the days that you can make a reasonable attempt to pay on a debt, and they have to accept. Second, you can send them a letter stating how they may contact you. If you choose solely by mail, they have to abide by that in most states. Some you have opt out all future contact other than to notify you of legal proceedings against you. Third if this is a credit card or medical bill your only option would be to file a reorganization bankruptcy, they under most conditions cannot be written off completely.

Answer 3

if you do not have assets to be taken from you they can not any harm to you, only report you bad credit, you can not sue them.