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What if you don't think the debt is yours?

It can be stressful when a creditor or a collections agency calls you on the phone and tells you that you need to pay what you owe. It goes beyond normal stress, though, when you don't actually think that the debt is yours. Perhaps you think you never had the debt to begin with, or maybe you think you already took care of it and you don't owe anything else. Either way, what can you do?

The key thing here is to remember that the law itself gives you a right to all information about the debt. You do have a right to ask for this information and verification of what is owed. Do not let a creditor hound you into paying before you have requested this information, and don't let them tell you that they don't have to inform you. They're legally bound to tell you:

-- The creditor's name.-- The full amount that you owe.-- How you can ask for verification.-- How you can enter an official dispute over what they claim you owe.

If you get the information -- they either have to tell you during contact or mail you a letter in the next five days -- and you still want to dispute the debt, the collections agency or the creditor must then leave you alone while the investigation is carried out. They cannot contact you or harass you. This is true as long as you put in the dispute within 30 days of getting the information you requested.

Don't let stress and worry get the best of you. Make sure you investigate claims fully and understand your rights under the law in Wisconsin.

Source: Consumer Financial Protection Bureau, "What if I believe I do not owe the debt or I want proof of the debt?," accessed June 30, 2016

Awards & Recognition

Our peers and independent third-party organizations have recognized the hard work and dedication we put into every case. This has led to numerous awards and accolades.

  1. Rated By Super Lawyers | Russel D. Nicolet
    Super Lawyers Rising Stars
    Avvo Rating 10.0 Superb | Top Attorney Personal Injury Avvo Rating 10.0 Superb | Top Attorney Bankruptcy
  2. The American Association of Legal Advocates Wisconsin Association for Justice BBB Accredited Business - A+
  3. Minnesota State Bar Association American Bar Association State Bar of Wisconsin
  4. BV Distinguished | Lexis Nexis | Martindale-Hubbell | For Ethical Standards and Legal Ability The National Trial Lawyers

Office Locations

Regional Office Map

Hudson Office
511 2nd Street Suite 203
Hudson, WI 54016

Phone: 715-802-0872
Hudson Office

Woodbury Office
724 Bielenberg Drive
Suite 126
Woodbury, MN 55125

Phone: 651-243-2872
Woodbury Office

Superior Office
1507 Tower Ave Suite 210B
Superior, WI 54880

Phone: 715-802-0872
Superior Office

Rice Lake Office
337 N. Main Street
Rice Lake, WI 54868

Toll Free: 800-456-6956
Rice Lake Office

Eau Claire Office
402 Graham Ave, Suite 305
Eau Claire, WI 54701

Phone: 715-802-0872
Eau Claire Office

Amery Office
228 Keller Ave N.
Suite 3A
Amery, WI 54001

Toll Free: 800-456-6956
Amery Office

Nicolet Law Office, S.C. helps people throughout Western Wisconsin and Minnesota including; Hudson, Eau Claire, Superior, Amery, Rice Lake, Chippewa Falls, River Falls, Menomonie, Hayward, New Richmond, Spooner, Bloomer and Barron.

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