• Liability of Cosigners When Car Repossessed

      Question: How can I avoid paying for a car after it is repossessed. I am the cosigner and did not obtain possession of the car. Answer: Under Illinois law, the creditor is required to provide you with ...

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    • Yo-Yo Purchase of Car

      Question: I purchased a car and traded in my old car and put money down. I signed a contact and got the keys. Three weeks later I received a letter from the dealer stating that I was not approved and ...

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    • USAA Savings Bank and USAA Federal Savings Bank

      Please contact us if you have had difficulty with USAA Savings Bank or USAA Federal Savings Bank honoring a valid claim that a transaction (such as a debit to your account or a charge on a credit ...

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    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

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    • Illinois statutory used car warranty

      Q. Three days ago I bought a used car from a dealer. The papers said "as is." I took it to a mechanic because it was making noises and check engine light came on. The mechanic told me that the engine, ...

      Read More
    • Liability of Cosigners When Car Repossessed

      Question: How can I avoid paying for a car after it is repossessed. I am the cosigner and did not obtain possession of the car. Answer: Under Illinois law, the creditor is required to provide you with ...

      Read More
    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

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    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

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    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

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    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

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    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

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    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

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    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

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    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

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    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

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    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

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    • EOS CCA Collecto

      Please contact us if EOS, CCA or Collecto (one organization) is trying to collect money from you, or attempted to do so within the last year. If so, contact us -- we can help you both defend claims ...

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    • Crown Asset Management

      Please contact us if debt buyer Crown Asset Management is attempting to collect money from you in Illinois, or has so attempted within the last year. They file numerous lawsuits in local courts. We ...

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    • Tenant and employment background check reports

      Please contact us if you have had a problem with erroneous employee and tenant background checks. Over 90% of employers and landlords purchase such reports, which provide criminal background ...

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    • Illinois Biometric Identification Privacy Act

      The Illinois Supreme Court has held that the Illinois Biometric Identification Privacy Act, 740 ILCS 14/1 et seq. ("BIPA"), does not require persons whose fingerprints or other biometric identifiers ...

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    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

      Read More
    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

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  • FAQ
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

      Read More
    • EOS CCA Collecto

      Please contact us if EOS, CCA or Collecto (one organization) is trying to collect money from you, or attempted to do so within the last year. If so, contact us -- we can help you both defend claims ...

      Read More
    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

      Read More
    • Select Portfolio Servicing

      Please contact us if you are having problems with Select Portfolio Servicing, or if Select Portfolio Servicing is attempting to foreclose on your home or collect money from you. We can help you both ...

      Read More
    • PHH Mortgage and Ocwen Loan Servicing

      Please contact us if PHH Mortgage or Ocwen Loan Servicing is attempting to foreclose on your home or collect money from you. (PHH recently acquired Ocwen.) We can help you both defend the claims ...

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    • Free consultation -- collection and credit reporting problems

      We offer free consultation to persons with debt collection and credit reporting problems. With respect to collection problems, please send whatever letters, court papers, or other documents relate to ...

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    • Fraudulent removal of funds from bank accounts

      Please contact us if a bank refuses to credit your account for third party fraudulent activity. We have recently observed that a number of major, supposedly reputable banks refuse to honor customer ...

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    • Consumer's Guide to Credit Reporting

      If you've ever applied for a charge account, a personal loan, insurance, or a job, someone is probably keeping a file on you. This file might contain information on how you pay your bills, or whether ...

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    • Emergency response charges

      Please contact us if you have received bills for charges of emergency responders (fire departments, Department of Transportation, etc.).

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    • Medical Bill That Was Supposed to Be Submitted by the Hospital to My Health Insurance Company

      Question: I have received a letter from a collection agency regarding a medical bill that was supposed to be submitted by the hospital to my health insurance company that would have covered the bill ...

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    • Delayed Medical Bill

      Question: Is there a time limit on how long a business can wait to send an additional bill for services rendered? I received a bill for a health device which was covered in part by insurance. The ...

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    • Tenant and employment background check reports

      Please contact us if you have had a problem with erroneous employee and tenant background checks. Over 90% of employers and landlords purchase such reports, which provide criminal background ...

      Read More
    • Rentgrow, Inc

      Please contact us if Rentgrow, Inc, is trying to collect money from you, or has so attempted within the last year. We can help you both defend claims against you and assert your rights under the Fair ...

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    • Landlord's attorneys fees -- Chicago residential property

      Please contact us if a landlord or attorney or agent for a landlord is attempting to collect from you attorney's fees in connection with the lease of a residential apartment in the City of Chicago.

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    • Old City of Chicago water bills and other debts

      Please contact us if anyone is trying to collect from you a City of Chicago water bill that is more than 4 years old. Also contact us if anyone is trying to collect from you other old, ...

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    • Linebarger Goggan Blair & Sampson, LLP

      Please contact us if Linebarger Goggan Blair & Sampson, LLP is trying to collect money from you in Illinois, or has so attempted within the last year. We can help you both defend claims against you ...

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    • Emergency response charges

      Please contact us if you have received bills for charges of emergency responders (fire departments, Department of Transportation, etc.).

      Read More
    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Select Portfolio Servicing

      Please contact us if you are having problems with Select Portfolio Servicing, or if Select Portfolio Servicing is attempting to foreclose on your home or collect money from you. We can help you both ...

      Read More
    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Select Portfolio Servicing

      Please contact us if you are having problems with Select Portfolio Servicing, or if Select Portfolio Servicing is attempting to foreclose on your home or collect money from you. We can help you both ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Illinois statutory used car warranty

      Q. Three days ago I bought a used car from a dealer. The papers said "as is." I took it to a mechanic because it was making noises and check engine light came on. The mechanic told me that the engine, ...

      Read More
    • New Methods of Tracking and Repossessing Cars

      If you have a car with a starter interrupt/ ignition shutoff and the seller/ finance company activated it at any time within the last two years, or if you were unable to use the car as a result, ...

      Read More
    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

      Read More
    • Illinois Biometric Identification Privacy Act

      The Illinois Supreme Court has held that the Illinois Biometric Identification Privacy Act, 740 ILCS 14/1 et seq. ("BIPA"), does not require persons whose fingerprints or other biometric identifiers ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • New Methods of Tracking and Repossessing Cars

      If you have a car with a starter interrupt/ ignition shutoff and the seller/ finance company activated it at any time within the last two years, or if you were unable to use the car as a result, ...

      Read More
    • Cascade Capital

      Please contact us if bad debt buyer Cascade Capital is attempting to collect money from you in Illinois, especially on an alleged automobile deficiency, or has attempted to do so within the last year. ...

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    • RCS Recovery Services

      Please contact us if RCS Recovery Services is attempting to foreclose on your home or collect money from you, in Illinois. We can help you both defend the claims against you and assert your rights ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Potential claims and defenses: collection agencies and collection / foreclosure attorneys

      Please contact us if any of the following debt collectors have attempted to collect money from you within the last year Collection agencies Aargon Agencies AFNI Allied Interstate Alltran Financial ARS ...

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    • Private student loan litigation

      We are seeing an increasing volume of collection lawsuits on private student loans. In many cases, there are defenses which can be litigated on behalf of borrowers. Issues which frequently arise in ...

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    • A Debt Collector Got My New Cell Phone Number.

      Question: A debt collector got my new cell phone number. I get recorded messages several times a day. Is there anything I can do? Answer: 1. It is a violation of a federal law called the Telephone ...

      Read More
    • Do you receive junk faxes, robocalls, or spam texts?

      Do you receive junk faxes, robocalls or spam texts? We are looking for lead plaintiffs for class action lawsuits as well as individual lawsuits. A Federal law called the Telephone Consumer Protection ...

      Read More
    • Regional Acceptance Corporation

      Please contact us if you are being sued by auto finance company Regional Acceptance Corporation. We can help you both defend the claims against you and assert your rights under the Fair Debt ...

      Read More
    • Do you receive junk faxes, robocalls, or spam texts?

      Do you receive junk faxes, robocalls or spam texts? We are looking for lead plaintiffs for class action lawsuits as well as individual lawsuits. A Federal law called the Telephone Consumer Protection ...

      Read More
    • Save Phone Messages and Letters from Debt Collectors

      Here is a great article on why you should save all phone messages from debt collectors. We also recommend saving all correspondence to and from the debt collectors, including envelopes you receive, ...

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    • Free consultation -- collection and credit reporting problems

      We offer free consultation to persons with debt collection and credit reporting problems. With respect to collection problems, please send whatever letters, court papers, or other documents relate to ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

      Read More
    • A Debt Collector Got My New Cell Phone Number.

      Question: A debt collector got my new cell phone number. I get recorded messages several times a day. Is there anything I can do? Answer: 1. It is a violation of a federal law called the Telephone ...

      Read More
    • Private student loan litigation

      We are seeing an increasing volume of collection lawsuits on private student loans. In many cases, there are defenses which can be litigated on behalf of borrowers. Issues which frequently arise in ...

      Read More
    • Unifund

      Please contact us if Unifund (Unifund CCR Partners and Unifund CCR, LLC ) is attempting to collect money from you in Illinois, or has attempted to do so within the last year. Unifund files numerous ...

      Read More
    • Newrez / New Penn Financial / Shellpoint Mortgage Servicing

      Please contact us if you are having problems with Newrez / New Penn Financial / Shellpoint Mortgage Servicing, or if Newrez / New Penn / Shellpoint is attempting to collect money from you or foreclose ...

      Read More
    • Private student loan litigation

      We are seeing an increasing volume of collection lawsuits on private student loans. In many cases, there are defenses which can be litigated on behalf of borrowers. Issues which frequently arise in ...

      Read More
    • Illinois Statutes of Limitations

      Question I forgot about a debt from 10 years ago. Now they are threatening to sue me. Can they get a judgment after 10 years? Answer If you have old debts, a collector may not be able to get a ...

      Read More
    • Letter you can send to debt collectors to request verification

      The following is a form of letter that you can send to a collection agency or debt buyer or collection attorney to request verification of a debt. The first paragraph can be modified to articulate any ...

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    • Illinois statutory used car warranty

      Q. Three days ago I bought a used car from a dealer. The papers said "as is." I took it to a mechanic because it was making noises and check engine light came on. The mechanic told me that the engine, ...

      Read More