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State of Wisconsin
Strengthening Wisconsin's Financial Future
Department of Financial Institutions |
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| Home > Office of Consumer Affairs > Business Guidance > Creditors > Debt Collection > Frequently Asked Questions |
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What if the consumer disputes the debt? Can I threaten to sue the consumer? What is considered harassment? When can I contact a consumer’s employer? Can I contact a neighbor to ask if the consumer still lives at the location listed on the account? 
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Frequently Asked QuestionsCan I threaten to sue the consumer?Yes. However, such action can only be threatened if it is taken in the regular course of business or is intended with respect to the particular debt at issue. Third-party debt collectors: Note that only the creditor has the authority to decide whether legal action should be taken. A collection agency cannot initiate legal action on its own but can recommend legal action to the creditor. If the original creditor has given authorization to commence legal action, the third-party debt collector may then mention that intended legal action. |
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