The firm has extensive experience in the debt collection legal field. We are leading experts in the intricacies of the Wisconsin Consumer Act and replevin law. We have an extensive track record working with lenders, commercial clients, finance companies and small businesses to achieve impressive results. We employ a combination of experience and a tenacious approach in advocating our clients’ best interests. We assist with both secured and unsecured debt collection practices as well as commercial and consumer debts.

The Wisconsin Consumer Act (WCA) was established in 1973 to simplify, clarify and modernize the law governing consumer transactions. The law further protects customers against unfair, deceptive, false, misleading and unconscionable practices by merchants, lenders or creditors.

Major provisions of the WCA include:
-Requirement to provide Notice of Right to Cure Default
-Limitation on interest, late fees and unauthorized charges in consumer transactions
-Require judicial process in certain repossessions
-Prohibit certain debt collection practices
-Illegal repossession penalties result in release of lien, return of collateral, return of all money paid on the contract and repayment of consumer’s attorney fees.
The Fair Debt Collection Practices Act (FDCPA) is the primary federal law that governs debt collection practices. The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when collecting debts. There are many exceptions to the FDCPA and we assist many clients in navigating the complexities of the FDCPA.
The Uniform Commercial Code (UCC) is one of a number of Uniform Acts that have been established as law with the goal of harmonizing the state laws regarding sales and commercial transactions. The UCC was established in 1952 and has been adopted by Wisconsin with some variations from the original proposed code.