Wisconsin residents can cite the Fraudulent Representations Act (Wis. Stat. § 100.18) alongside FDCPA Section 1692g when disputing Columbia Ultimate.
Private Right of Action
Yes in Wisconsin
Treble Damages
Yes in Wisconsin
Auto-Renewal Law
Not enacted
Medical Billing Protection
Not enacted
Wis. Stat. § 100.18 prohibits unfair and deceptive practices in Wisconsin. Allows up to 3x damages. You can sue directly.DisputeAI cites this statute automatically in your demand letter.
FDCPA Section 1692g requires Columbia Ultimate to validate the debt within 30 days. Section 1692e prohibits false or misleading representations. Section 1692f prohibits unfair practices. Violations allow statutory damages up to $1,000 plus attorney fees.
AI demand letter citing Wis. Stat. § 100.18 + FDCPA from $4.99