Credit Card Collections

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Chicago debt collection attorneys

Chicago Credit Card Collection Lawyers

Chicago Credit Card Collection Attorney

Skilled and Aggressive Credit Card Collection Attorneys in Cook County and Northern Illinois

Most credit card debts are unsecured. So when a debtor stops making payments on their account, time is of the essence, and swift action is required to ensure optimal recovery results. Collection agencies can do little more than locate the debtor and contact them to request payment. To maximize credit card collections, it is important to work with an experienced debt collection attorney.

For over 35 years, Walinski & Associates, P.C. has represented clients for credit card collections in Chicago and the surrounding areas. Our lawyers have extensive knowledge of creditor's rights laws and a strong track record of success helping creditors secure maximum recovery from debtors with delinquent credit card balances. Unlike typical collection agencies, we do not wait several months before turning accounts over to a "legal" department. Our attorneys work directly on each case, and we go to work immediately, exploring all available legal options toward a swift and favorable resolution.

We handle credit card collections for a wide range of clients, including but not limited to:

Results-Oriented Credit Card Collection Strategies

There is no "one-size fits all" approach to credit card debt recovery. Each case is unique, and the right recovery strategy will depend on the financial circumstances of the debtor. We thoroughly examine each account to determine the most effective and cost-efficient path to a positive outcome. Many debtors are more responsive to having an attorney involved in the case. We are powerful negotiators, and we are often able to persuade the debtor to agree to a satisfactory payment plan without the need for litigation.

If the debtor is unwilling to work with us, we can file suit and quickly obtain a judgment for the amount owed. After a judgment is awarded, there are several judgment enforcement actions we can take to collect on the debt and/or bring the debtor back to the negotiating table. These include garnishments/wage reductions, bank account levies, and liens on real estate property. In extreme cases, we can compel the debtor to appear in court (post-judgment) to testify about his/her finances. Failure to appear can result in the debtor being held in contempt of court.

Contact a Debt Collection Lawyer Today

Collecting on delinquent credit card accounts can be a complex and tedious process. At Walinski & Associates, P.C., we have in-depth experience with all types of debt collections, and we work closely with our clients to deliver the skilled and personalized representation they deserve. If you need help with credit card collections in the Chicago area, contact our office today at 312-704-0771 for a consultation.

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