Debt collectors are in contact with numerous Illinois residents on a daily basis. Dealing with people wanting money when one doesn’t have any can be stressful, to say the least. Chapter 13 or 7 bankruptcy may help ward of debt collectors and — if approved — give petitioners financial relief. But what about other debt relief services? Are any of them legitimate?

In another state, five people were recently charged for taking part in a debt collection scheme. All five individuals involved have been charged with grand theft, money laundering and false advertising — among various other felonies. They are said to have collected over $100,000 by claiming to offer debt relief services to those struggling economically. The services were never provided.

Sadly, this is something that happens with great frequency, and those responsible are usually not caught until they have walk away with large sums of money from their unsuspecting victims. Does this mean that all debt relief services are like this? No. But many of these services do not really help solve their clients debt woes.

There are legitimate debt relief services out there. However, bankruptcy and the services offered by a bankruptcy law attorney are generally the most helpful. Chapter 13 or 7 filings can — if approved in court — really help petitioners stop creditor harassment, and achieve economic relief and the opportunity to start over. In some cases, bankruptcy may not be necessary. Illinois residents who need help overcoming their debts may turn to legal counsel to get guidance on the best way to tackle their specific money problems.

Source:, “5 face felony counts in debt collection scheme“, Jeremy Childs, Nov. 14, 2017