Wisconsin Debt Collection Law at a Glance
Federal Protection
15 USC §1692g — Fair Debt Collection Practices Act. 30-day validation window from first written contact. Collector must cease collection upon written dispute.
State Supplement
Wis. Stat. §427.101 et seq. — Wisconsin Consumer Act — Debt Collection
Covers original creditors — not just third-party collectors.
Damages available: $2,000 per violation plus actual damages and attorney fees
Statute of Limitations
- Credit card / revolving: 6 years
- Written contracts: 6 years
- Oral contracts: 6 years
- Promissory notes: 10 years
- (Wis. Stat. §893.43)
Where to File Complaints
- Wisconsin Attorney General Consumer Protection Division
- Consumer Financial Protection Bureau (CFPB)
- Federal Trade Commission (FTC)
Small claims limit: $10,000
Additional Protections
- Wisconsin Consumer Act covers original creditors AND third-party collectors
- $2,000 penalty per violation — among the highest per-violation penalties in the nation
- Detailed list of prohibited practices exceeds FDCPA scope
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Wisconsin Debt Validation FAQ
What is the FDCPA 30-day validation period for debt collectors contacting me in Wisconsin?
Under the Fair Debt Collection Practices Act (15 USC §1692g), you have 30 calendar days from the date a debt collector first contacts you in writing to request validation of the debt. During this time, the collector must cease collection activity if you dispute the debt in writing. This federal right applies in all 50 states including Wisconsin.
Does Wisconsin have its own debt collection protection law beyond the FDCPA?
Yes. Wisconsin provides additional consumer protections under Wis. Stat. §427.101 et seq. (Wisconsin Consumer Act — Debt Collection). Notably, Wisconsin law extends protections to cover original creditors, not just third-party debt collectors. Violations may result in: $2,000 per violation plus actual damages and attorney fees.
What is the statute of limitations on debt in Wisconsin?
In Wisconsin, the statute of limitations varies by debt type: credit card/revolving debt is 6 years, written contracts are 6 years, and oral contracts are 6 years (Wis. Stat. §893.43). If your debt is past the statute of limitations, a collector cannot legally sue you to collect it, and threatening legal action on time-barred debt may violate the FDCPA.
What should I include in a debt validation letter sent from Wisconsin?
Your debt validation letter should: (1) reference the FDCPA (15 USC §1692g), (2) demand verification of the debt amount, (3) request proof of the collector's authority to collect, (4) ask for the original creditor's name and address, (5) request a copy of the original agreement, and (6) cite any applicable Wisconsin state protections. Send via certified mail, return receipt requested.
Can I sue a debt collector who violates my rights in Wisconsin?
Yes. Under the FDCPA (15 USC §1692k), you can sue for up to $1,000 in statutory damages plus actual damages and attorney fees. Under Wisconsin law, you may also seek: $2,000 per violation plus actual damages and attorney fees. You can file in Wisconsin small claims court for claims up to $10,000.
Debt Validation Letters by State
Select your state to see your specific protections.