LAWDOG State Laws: Debt Collection Practices

Fair Debt Collection Practices:

Debt collection practices is governed under the Wisconsin Consumer Act (Sec 427.101 et seq.). The Act applies to conducts and practices in connection with the collection of obligations arising from consumer transactions. Some of the prohibited collection practices include use or threat of force or violence to cause physical harm to consumer, his dependent or property, threaten criminal prosecution, disclosure or threaten to disclose consumer's credit information which may adversely affect his or her reputation, initiate or threaten to initiate communication with consumer's employer before final judgment of a claim, disclosure of a debt which is known to be disputed, communication with the consumer or someone related to the consumer, or engage in a conduct, at unusual hours and at a frequency, which constitutes harassment, use of obscene or threatening language in communications, false representation of a claim which does not exist, and use of simulated documents which are purported to be legal process issued by appropriate legal or other authorities. The Act also prescribes remedies for violation which may include actual damages and damages caused by emotional distress or anguish with or without a showing of physical injury. (Sec. 427.105.)

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