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List of collection agencies in Wisconsin.
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- State Collection Service, Inc. : Madison
- Americollect, Inc : Manitowoc
- Credit Management Control (CMC) : Green Bay
- Associated Collectors Inc (ACI) : Janesville
- United Credit Service (UCS) : Elkhorn
- Protocol Financial Service : Beloit
- Tri-State Adjustments (TSA) : La Crosse
- Bonded Collectors of Wisconsin : Portage
- Oliver Adjustment Company of Kenosha & Racine Inc : Kenosha
- Resource Management Inc : Eau Claire
- Professional Collectors Corporation (PCC) : Fond du Lac
- Financial Control Solutions (FCS) : Germantown
- Eagle Collections : Pewaukee
- Felt & Lukes LLC : Hartland
- Credit Service International (CSI) : Hudson
- Credit Bureau Data Inc (CBD) : La Crosse
- The Stark Collection Agency : Madison
- Alliance Collection Agencies : Marshfield
- Central Collection Corp : Brookfield
- Duncan Solutions/ Professional Account Management : Milwaukee
- Professional Placement Services LLC (PPS) : Milwaukee
- Rausch Sturm : Brookfield
- Quantum Financial Group : Beaver Dam
- Financial Recoveries Inc (FRI) : Oshkosh
- Frank’s Adjustment Bureau Inc : Racine
- Daubert Law Firm LLC : Wausau
- Collection Associates Ltd : Brookfield
Debt Collection Laws in Wisconsin
- Fair Debt Collection Practices Act (FDCPA): Like all states, Wisconsin is subject to the federal Fair Debt Collection Practices Act. The FDCPA applies to third-party debt collectors and prohibits them from using deceptive, abusive, or unfair practices when collecting a debt.
- Wisconsin Consumer Act: Wisconsin has its own state law governing debt collection practices, known as the Wisconsin Consumer Act. This law provides additional protections for consumers and governs the conduct of both third-party debt collectors and original creditors.
- Statute of Limitations: As of 2021, in Wisconsin, the statute of limitations for written contracts is 6 years, and for open-ended accounts such as credit cards, it is also 6 years. Once this period has passed, debt collectors cannot sue to collect the debt. Note that acknowledging the debt or making a payment can restart the statute of limitations.
- Wage Garnishment: In Wisconsin, if a creditor obtains a judgment against a debtor, they may be able to garnish wages. However, Wisconsin has more restrictive limits on wage garnishments compared to federal law. In most cases, a creditor can only take the lesser of 20% of disposable earnings or the amount by which disposable earnings exceed 30 times the federal minimum wage.
- Bank Account Levies and Property Liens: After obtaining a judgment, a creditor may seek to levy a debtor’s bank account or put a lien on property. However, Wisconsin law provides certain exemptions that may protect a portion of the debtor’s assets.
- Communication with Debt Collectors: Under the FDCPA and Wisconsin Consumer Act, debt collectors are subject to restrictions on their communication practices. For example, they cannot contact debtors at inconvenient times, harass them, or communicate with third parties about the debtor’s debt without permission.
- Exemptions: Wisconsin law provides various exemptions to protect a debtor’s property from being seized to pay a judgment. This includes exemptions for homesteads, personal property, wages, and certain types of income such as social security and retirement benefits.
- Licensing: As of 2021, debt collectors operating in Wisconsin must be licensed.
Remember that laws are subject to change. For the most current information and advice on dealing with debt collectors in Wisconsin, it is advisable to consult a lawyer or legal aid organization.
Wisconsin’s surety bond guarantees that collection agencies abide by all state and federal laws.