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Not without a court order: Debt collectors cannot directly freeze your bank account without first obtaining a judgment against you in court. It's a multi-step process: Freezing an account (also known as “garnishment”) is typically a last resort after other collection attempts have failed.

In most Illinois Counties, if a creditor freezes your bank account, the creditor must mail you a notice of your rights to appear in court and contest the freeze. The notice must tell you the date, time, and place the case is to be heard in court.

Old (Time-Barred) Debts In California, there is generally a four-year limit for filing a lawsuit to collect a debt based on a written agreement.

A collector can contact you in person, by mail, telephone, telegram or email. However, a collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.

That means a lender cannot pursue you through legal action to recoup a debt after a maximum amount of time has passed. In Illinois, that limit is ten years for a loan with a written contract or agreement and five years for any borrowing without a formal document, including credit card balances.

The state of Illinois, like every other state in the U.S., has its statute of limitations for various types of debts. All unwritten and open-ended agreements, for example, have a five-year expiration. Written contracts and promissory notes, on the other hand, have a 10-year expiration.

We contract with collection agencies to help us collect the amount of tax, penalty, and interest that you owe. If we send your account to one of these agencies, you will become responsible for collection agency fees in addition to the tax, penalty, and interest that you already owe.

Under the debt collection rule, debt collectors have to provide you with certain information about your debt, known as validation information.

Provide written notice: The Fair Debt Collection Practices Act (FDCPA) requires you to provide written notice to the debtor before sending them to collections.