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Edelman Combs Latturner & Goodwin, LLC Edelman Combs Latturner & Goodwin, LLC
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Protecting the Rights of Consumers For Over 25 Years


According to a study released on February 12, 2019 by the Federal Reserve Bank of New York, a record 7 million Americans are at least 90 days behind on payments for automobile loans and retail installment contracts. The report stated that there are more people now with delinquent or late loan payments than there were at the height of the 2008 financial crisis. Part of the problem appears to be that after the 2008 crisis, the law placed heavy restrictions on mortgages to make it harder to take out a home loan unless you could afford to make the monthly payments. Similar restrictions were not imposed on auto loans.

Please contact us if you are having problems with an auto lender, or are being sued on a retail installment contract, vehicle lease or auto loan.

We can help you both defend the claims against you and assert your rights under the Fair Debt Collection Practices Act, Uniform Commercial Code, Truth in Lending Act, Illinois Motor Vehicle Retail Installment Sales Act, and other laws.

Auto financing is subject to numerous legal requirements. Noncompliance is common.

Major auto creditors that do business in the Chicago area include

American Eagle Bank

American Honda Finance Corporation
Automotive Credit
Autovest (bad debt buyer)
Cascade Capital (bad debt buyer)

Citizens Bank
Citizens Finance
Consumer Financial Services Corp.
Consumer Portfolio Services
Credit Acceptance

D&E Finance
Ford Motor Credit
Friendly Finance
Future Finance
Gateway Financial / GFS II
General Motors Financial Company, Inc.
Greater Chicago Finance

Greater Suburban Acceptance

Honda Financial Services

Hyundai Motor Finance
Mariner Finance

Mercedes-Benz Financial Services USA LLC
Nationwide CAC

Nationwide Cassel
Overland Bond
Personal Finance
Prestige Financial
Prizm Financial
Regional Acceptance

TD Auto (formerly known as Chrysler Financial)
United Auto Credit
Value Auto Mart

The 12 attorneys in our firm have a total of more than 100 years experience handling consumer lawsuits. One of them wrote the book on defending collection lawsuits. D. Edelman, Collection Litigation: Representing the Debtor (Illinois Institute for Continuing Legal Education 2008, 2011, 2014, 2019 editions).

We look forward to hearing from you about this or any other consumer legal problem you wish to discuss. There is no charge for consultation.

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