Chapter 13: Fight Overbiffing, Seek an Affordable Repayment Plan

Chapter 13: Fight Overbiffing, Seek an Affordable Repayment Plan

Many Illinois residents have bills that they struggle to pay. A good number of these individuals are frequently being called and harassed by debt collectors. Some of these debt collectors may be trying to collect more than people actually owe. With the help of a bankruptcy law attorney and through a Chapter 13 filing, Illinois residents can fight back against creditor harassment and seek an affordable debt repayment plan.

Unfair debt collection practices are not new. Debt collectors are always looking for ways to get people to pay. Overbiffing is the latest trend. It has gotten so bad that the Federal Trade Commission has had to step in and investigate debt collection firms accused of this behavior.

Overbiffing is when a debt collector overstates a debtor’s bill. This means that these firms are adding hundreds, sometimes thousands, of dollars onto peoples’ bills in an attempt to collect more than what is actually owed. Thousands of consumers have fallen victim to this practice. The best thing anyone can do when dealing with a debt collector is ask them to verify the debt and then stop all forms of communication.

Illinois residents who do have debts that they cannot pay despite having money coming in may qualify for a Chapter 13 bankruptcy. By filing, debt collectors have to stop their attempts to collect, and petitioners are given the opportunity to create affordable debt repayment schedules that work within their current budgets. With legal assistance, one can take the steps necessary to file and seek bankruptcy approval — if doing so is deemed appropriate for one’s situation — and/or one can take action against debt collectors who are engaging in illegal debt collection practices.

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