Notice: We are still operating during the COVID-19 crisis. However, we are not allowing visitors to our office and most of our staff is operating remotely. Our attorneys and staff are still available to help you by phone and email. If you get our voice mail, please leave a message and it will be returned promptly. There may be delays with mail due to the crisis, so please try to send documents by email after submitting a contact form here or fax to 312-419-0379, if possible.

Liability for Lost Debit Card

Question: My new debit card was stolen because UPS delivered it to the wrong address. Someone used it to withdraw money from my account without permission from me. Who is liable and how can I get my money and from whom?

Answer: Under the Electronic Funds Transfer Act, you are not liable for unauthorized use of a debit card. However, you must dispute the charges in writing with the bank that issued the card immediately. If the bank refuses to credit your account, see a lawyer. Our firm has represented consumers in such disputes on a number of occasions.