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Illinois Collections Legal Questions

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8 legal questions have been posted about collections by real users in Illinois. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include debtor and creditor, and creditors rights. All topics and other states can be accessed in the dropdowns below.
Illinois Collections Questions & Legal Answers
Do you have any Illinois Collections questions and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 8 previously answered Illinois Collections questions.
Collections
Illinois

Recent Legal Answers

How can I stop a collection agency from calling me for someone else?

Answered 8 years and 7 months ago by Scott F. Bocchio (Unclaimed Profile)   |   1 Answer
We can send them a Cease and Desist letter on your behalf.  FREE Service.  If you inform a Collection Agency that you are not the person they are looking for and they continue to call, they are violating your Consumer Rights and could be subject to paying Statutory damages to you upwards of $1,000.   Feel free to reach out to our office at 855-254-7841.... Read More
We can send them a Cease and Desist letter on your behalf.  FREE Service.  If you inform a Collection Agency that you are not the person... Read More

I received a summon. What is that and what should i do?

Answered 13 years and 10 months ago by Mr. Richard Alan Alsobrook (Unclaimed Profile)   |   1 Answer
A summons is a court issued document requesting that you appear at court on a specific date, and at a specific time.  The summons should state the issue for which the court is summoning you.  You need to appear for your court date.  You should consult with a local attorney to see what options you have with regards to defending the claims against you. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.... Read More
A summons is a court issued document requesting that you appear at court on a specific date, and at a specific time.  The summons should state... Read More

Student loans?

Answered 14 years and a month ago by Richard John Meier IV (Unclaimed Profile)   |   1 Answer
With student loans, there is an administrative remedy of garnishment without requiring a lawsuit; that is why they could garnish your loans without suing you first. Something else must have happened to make them stop.
With student loans, there is an administrative remedy of garnishment without requiring a lawsuit; that is why they could garnish your loans without... Read More

AT&T sent my account to collections, yet i have never had AT&T. what can i do about it?

Answered 14 years and 2 months ago by Richard John Meier IV (Unclaimed Profile)   |   1 Answer
Under the Fair debt Collection Practices Act, you are allowed to dispute the debt within 30 days of the initial written communication from the collection agency (i.e first letter). You have to dispute the debt in writing for the FDCPA to give you any protection. Once the collection agency receives a timely dispute, they must stop all collection activity until they provide you with certain details about the debt. If a collection agency is trying to collect a debt that is not yours, they have to pay statutory damages and any reasonable attorney fees and costs associates with making a claim under the FDCPA (so it shouldn't cost you anything to hire an FDCPA attorney)... Read More
Under the Fair debt Collection Practices Act, you are allowed to dispute the debt within 30 days of the initial written communication from the... Read More

Im dealing with, Enterprise Recovery Systems, Inc, I offered the max i could pay at $30 month till i can find a job, do they have to take that?

Answered 14 years and 3 months ago by Richard John Meier IV (Unclaimed Profile)   |   1 Answer
A collection agency is hired to collect a debt. They typically try to settle the accounts or reach a payment arrangement but, as with every negotiation, it has to be an agreed to but they are not required to accept anything you offer simply because you say it is the best you can do.
A collection agency is hired to collect a debt. They typically try to settle the accounts or reach a payment arrangement but, as with every... Read More

Can a collecion agency legally call my neighbors to give me a message when they have nothing to do with my loan?

Answered 14 years and 4 months ago by Richard John Meier IV (Unclaimed Profile)   |   1 Answer
Under the Fair Debt Collection Practices Act ("FDCPA") a collection agency is allowed to contact a third party to try and find you; however, the FDCPA only allows them to contact each third party ONE TIME. If the collection agency contacts anybody other than you more than one time they are violating federal law and need to pay you damages. Also, the FDCPA prohibits a collection agency from disclosing to anyone that you owe a debt, that they are a debt collector, and any other information that implies you owe a debt. IF a collection agency violates the FDCPA, it is liable for up to $1,000 in statutory damages, actual damages caused by the violation (including humiliation and embarrassment), as well as your reasonable attorney fees and costs associated with making a claim. If the collection agency has violated the FDCPA or done anything you don't think is right, contact a local FDCPA attorney.... Read More
Under the Fair Debt Collection Practices Act ("FDCPA") a collection agency is allowed to contact a third party to try and find you; however, the... Read More

got a phone call from a collection agency from california about a cash advance loan that i got but got no phone calls or letter from them about paying

Answered 14 years and 4 months ago by Richard John Meier IV (Unclaimed Profile)   |   1 Answer
A collection agency is allowed to call you to try and collect on a debt that is past due. The Fair Debt Collection Practices Act (FDCPA) regulates what a collection agency can and cannot do. If the collection agency violates the FDCPA, it is liable for up to $1,000 in statutory damages, actual damages caused by the violation, and they have to pay your attorney fees and costs associated with making a claim. It is hard to tell what your question is but, if the collection is doing anything that doesn't seem right to you, contact a local FDCPA attorney.... Read More
A collection agency is allowed to call you to try and collect on a debt that is past due. The Fair Debt Collection Practices Act (FDCPA)... Read More

a debt collection agency has frozen my bank account. what do i do now.

Answered 14 years and 4 months ago by Richard John Meier IV (Unclaimed Profile)   |   1 Answer
In order for a debt collection agency to affect your bank account they need a court order; for them to get a court order there has to be a lawsuit. The collection agency probably sued you and got a judgment against you for the amount of the debt so the only way to "unfreeze" your account is to pay the debt or declare bankruptcy. If, however, the debt collection agency did not sue you and they improperly "froze" your account, it is possible that they are violating the Fair Debt Collection Practices Act and you are entitled to damages.... Read More
In order for a debt collection agency to affect your bank account they need a court order; for them to get a court order there has to be a lawsuit.... Read More
Collections
Illinois

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