About Us

About Monarch Legal Group

Life doesn’t always proceed predictably, and sometimes, the challenges we face are completely outside of our control. Health problems, layoffs, divorce and more can lead to snowballing financial problems. Whether you’re dealing with threats of foreclosure, wage garnishment, creditor harassment or excessive debt, the experienced team at Monarch Legal Group can help you get your finances back on track.

FDCPA

The Fair Debt Collection Practices Act regulates the actions of debt collectors and offers protections to consumers. The FDCPA applies to every state and is designed to prevent unfair, deceptive or harassing actions. Illinois residents are also protected by the Illinois Collection Agency Act, which offers additional legal protection for consumers, including limiting how debt collectors can contact and communicate with you.

These laws apply to most debt collectors but a few are excluded, including:

  • Banks and credit unions
  • Unit owner associations
  • Attorneys
  • Billing companies

FCRA

The Fair Credit Reporting Act is a law that limits how your credit information is used by credit reporting agencies. Designed to protect and preserve the integrity of your credit information, the FCRA requires that all information that is reported is fair, accurate and private. The FCRA also ensures that you have access to your report and can correct inaccuracies or seek remedy if your rights are violated.

Bankruptcy

There are several options for dealing with excessive debt, but one of the most effective is bankruptcy. Bankruptcy is a process in which your debts are discharged at the end of the program. If you’re eligible for Chapter 7 bankruptcy according to the means test, most or all of your unsecured debts can be discharged. In Chapter 13 bankruptcy, you’ll have the opportunity to pay off some or all of your debts during a three to five-year repayment program. Any remaining debts after the program may be eligible for discharge. Bankruptcy does affect your credit score for a period, but it can provide dramatic debt relief as well as the protection of the courts from further creditor actions.
Consumer Litigation Defense

Millions of Americans are in debt crises, and a substantial number of them are dealing with debt collectors, creditor harassment and litigation. If you’ve received a summons or been notified that a creditor is taking legal action against you, you need experienced representation. The attorneys at Monarch Legal Group have the skill and experience to fight for your rights, mount a defense and protect your property. Contact us today to schedule a consultation or learn more.