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Illinois Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law, Contracts, Intellectual Property and Trademark for Illinois on
Q: Can I create an educational songwriting class that's called something like: Taylor Swift-inspired Hit Songwriting Class?

I'd like to create a songwriting class that teaches hit songwriting techniques used by pro songwriters such as Taylor Swift. I'd like to call the class:

"Taylor Swift-influenced Hit Songwriting Class" (or)

"Taylor Swift-inspired Hit Songwriting Class"... View More

James L. Arrasmith
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answered on Mar 7, 2024

Using a celebrity's name in an educational course title can be tricky, as it may raise concerns about intellectual property rights and potential false endorsement. However, there are ways to reference Taylor Swift's name in your course title that are more likely to fall under fair use for... View More

2 Answers | Asked in Consumer Law, Estate Planning and Family Law for Illinois on
Q: Questions pertaining to an affidavit of heirship. Very confused on paperwork

Help. Please

Bryan R. Bagdady
Bryan R. Bagdady
answered on Jan 9, 2024

The affidavit of heirship is important when opening an estate. Some counties have pdf forms other require original typed word documents. You essentially need to identify the spouse and children. If there is no surviving spouse or child, then make sure there is no survivor of a predeceased child. If... View More

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2 Answers | Asked in Bankruptcy, Consumer Law, Banking and Lemon Law for Illinois on
Q: I have a car that I owe more than 10 thousands of dollars that I cannot drive because of numerous mechanical problems.

What are my best options since I cannot afford to pay to fix car and make my loan payments. I live in Loves Park, Illinois.

James L. Arrasmith
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answered on Jan 3, 2024

In your situation with a car that's costly to repair and still under a significant loan, there are a few options to consider. Firstly, check if your car is still under any kind of warranty. If it is, some or all of the repair costs might be covered, reducing your financial burden.

If...
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1 Answer | Asked in Consumer Law and Business Law for Illinois on
Q: Is it legal for store credit to be issued to a customer for free without a purchase or return being made?
T. Augustus Claus
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answered on Dec 20, 2023

In Illinois, it is generally legal for a store to issue store credit to a customer without requiring a purchase or return. Stores may offer store credit as part of promotions, loyalty programs, or goodwill gestures. However, the specific terms and conditions regarding the issuance of store credit... View More

1 Answer | Asked in Civil Rights, Constitutional Law, Consumer Law and Criminal Law for Illinois on
Q: Vehicle theft to Misconduct

Im a victim of a car theft but also a victim of the police malpractice and torture for 2months. I have evidence such as videos audios and false reports, false police certifications. Authorities including Officer from IL ICC, Police Department, Criminal Division unit in Chicago as well as Illegal... View More

James L. Arrasmith
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answered on Oct 15, 2023

I'm truly sorry to hear about the difficulties you've faced in this situation. It's important to address these issues properly, considering both the car theft and any potential misconduct by law enforcement or other authorities.

Contact an Attorney: Given the complexity and...
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1 Answer | Asked in Consumer Law for Illinois on
Q: how do i get my money back from a online retailer that wont respond to text and doesnt have phone number
T. Augustus Claus
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answered on Sep 12, 2023

f you're struggling to get a refund or resolve an issue with an unresponsive online retailer that doesn't have a phone number and isn't responding to text messages, taking proactive steps is crucial. Start by reviewing the retailer's return and refund policies on their website... View More

1 Answer | Asked in Consumer Law for Illinois on
Q: I have solar panels from sunrun we recently found out due to weather damage to our roof that the solar panels were

Installed on a bad roof and were suggested to see if I have a case. The company is sunrun

T. Augustus Claus
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answered on Sep 6, 2023

If you believe that Sunrun installed solar panels on your roof improperly, leading to damage or other issues, it's crucial to take specific steps. Begin by reviewing your contract and any warranties provided by Sunrun to understand your rights and their obligations. Contact Sunrun's... View More

1 Answer | Asked in Consumer Law, Real Estate Law and Landlord - Tenant for Illinois on
Q: Can we ask the Court for a Default judgement against 2 of 3 served defendants at this time?

I have invested countless hours researching facts, law, and evidence, and ultimately we filed an 88 page, 11 count complaint in the McLean County IL Circuit Court pro-se, asking for at least $144,000 in damages against three defendants. This was filed on July 3, with the corporation's... View More

James G. Ahlberg
James G. Ahlberg
answered on Aug 16, 2023

Probably. Depending on the wording of your complaint (your attachment won't go through this system) it's possible you'll be limited to a default judgment as to liability and still need a hearing at which you prove your damages and each defendant has an opportunity to try to disprove... View More

2 Answers | Asked in Consumer Law, Small Claims, Bankruptcy and Collections for Illinois on
Q: Can I continue to use my capital one credit card in good standing, even if I have a default judgment with discover card

I owe discover card 6000 dollars. They recently in April 2023 have a default judgment against me in cook county circuit court, in illinois. Chicago. I have a court case in September for citation to discover assets. I know they ask about my bank accounts, savings, etc.. Does the creditor in... View More

James L. Arrasmith
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answered on Sep 8, 2023

In the citation to discover assets proceeding, the creditor will indeed inquire about your financial situation, which may encompass your credit card accounts and the balances you owe. While there are no explicit rules prohibiting the use of other credit cards, it may potentially cast you in an... View More

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1 Answer | Asked in Consumer Law and Small Claims for Illinois on
Q: I want to sue a company in Illinois for theft. Would you connect me with an attorney to help me do that?

From may 10 to June 14 over 4 settlements as a contract lease operator for a trucking company 3015.44 is missing from my settlements unaccounted for.

Tim Akpinar
Tim Akpinar
answered on Jul 28, 2023

An Illinois attorney could advise best, but your question remains open for three weeks. It might be difficult for attorneys here to connect you with an attorney like you ask for. This site doesn't work like an attorney referral service. It's basically a Q & A format. The closest thing... View More

2 Answers | Asked in Consumer Law and Small Claims for Illinois on
Q: Hello, I received a package that was in total value of 3k.Item was shipped 12 hours after the cancelation and refund

Company acknowledged cancelation and then the package was shipped out 12 hours later. I'd imagine it was the following day. On the 13th it was delivered . I believe I should be offered some sort of discount to just keep the item considering the amount of stress this situation caused but the... View More

T. Augustus Claus
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answered on Jul 14, 2023

if the cancellation was processed and the refund issued before the package was shipped, you may have grounds to keep the package without any further obligations.

However, if the cancellation and refund were processed after the package was already shipped or if the company's policy...
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1 Answer | Asked in Contracts and Consumer Law for Illinois on
Q: If a dealership forgets to charge your $$ down and signed the contract already do you pay it or can I return the car?

Purchased a vehicle in IL over the wknd. I and they forgot about the $$ down payment. I signed the contracts. They called me up to request I pay it. Can I legally return the vehicle or do I have to pay the $$? I have it, just having buyers remorse and thought this might be a legal opportunity to... View More

Demitrus Thomas Evans
Demitrus Thomas Evans
answered on May 2, 2023

Thank you for the questions. I can't be certain unless I have read the contract. Did you read it in detail? Are there parts that you do not understand?

When you look closely at what they did charge you sure that the downpayment was not included?

People will ask me "How...
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1 Answer | Asked in Consumer Law for Illinois on
Q: Is an orthodontist allowed to deny to see me as a patient based on a debt my parents had with their office in the past?

I am 22 years old now and financially independent from my parents. I have great credit and no debts. I went to make an appointment with an orthodontist, but they said the Dr may not accept me as a patient because my parents never paid off the braces I had when I was 12. I didn't finish... View More

James G. Ahlberg
James G. Ahlberg
answered on Apr 14, 2023

An orthodontist (or any professional) can refuse to see you for any reason, other than one based on discrimination against a member of a legally protected class. For example, he can't refuse to see you because you are black or white, Buddhist or Baptist, married or single, and so on, because... View More

1 Answer | Asked in Consumer Law, Banking, Business Formation and Business Law for Illinois on
Q: Is there anything you can do if the lender applies the payment to the principal but does not bring down the balance?
James L. Arrasmith
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answered on Mar 2, 2023

If you believe that your lender has incorrectly applied a payment to the principal without properly bringing down the balance, you should contact your lender directly to discuss the issue and request an explanation. It is possible that there may have been a mistake or a misunderstanding that can be... View More

1 Answer | Asked in Consumer Law and Business Law for Illinois on
Q: Is it legal to issue a customer a $500 store credit without a purchase or refund being made?
Tim Akpinar
Tim Akpinar
answered on Jan 16, 2024

An Illinois attorney could advise best, but your question remains open for four weeks. Stores might give such credits as customer appreciation or other reasons. Good luck

1 Answer | Asked in Consumer Law, Contracts, Criminal Law and Small Claims for Illinois on
Q: Can I be criminally charged in Illinois if an online Facebook buyer says I sold them a different product than advertised

I was selling a product on Facebook Marketplace. I agreed through Facebooks platform to meet this buyer at a local restaurant and sell them my product. The buyer and I meet on this restaurants property in the parking lot. I never get out of my vehicle. The buyer walks up to my car window and argues... View More

T. J. Jesky
T. J. Jesky
answered on Oct 15, 2023

Stop losing sleep over this incident. You were assaulted by the Buyer. I believe the District Attorney and police have more important matters to pursue. As far as selling the product, this appears to be a civil event not a criminal event. Again, stop losing sleep.

1 Answer | Asked in Bankruptcy and Consumer Law for Illinois on
Q: Should I inform my elderly mother's cc company by letter she cannot pay her minimums anymore, or just let it go?

My elderly mother's SNF rent/expenses are paid by her SS and pension, plus family contributions. I am her POA and do her bills. She can no longer afford her cc debt minimum payments (neither can we), and will die with no assets. She is in hospice and late 90s so not likely to live another... View More

Timothy Denison
Timothy Denison
answered on Aug 25, 2023

Just let it go.

2 Answers | Asked in Bankruptcy and Consumer Law for Illinois on
Q: Hi

1:23-cr-00369

I like to know the nature of case?and details of the action can be taken ?

Timothy Denison
Timothy Denison
answered on Aug 22, 2023

This is a criminal case. Would need to know the jurisdiction to find out specific details of the case.

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2 Answers | Asked in Civil Litigation, Collections, Consumer Law and Bankruptcy for Illinois on
Q: Can creditor with default money judgment, find out where I bank, before they file an affvadvit to discover my assets?

I have a creditor ( American express)represented by Law firm, in Illinois cook county whom has a default judgment against me for 8,000. I'm looking for work now. However I heard they do bank levies some times. I use U.S bank, and a creditKarma a no credit required, checking/debit account... View More

Joel Gary Selik
Joel Gary Selik
answered on Aug 2, 2023

Yes, there are resources where Creditors can discover bank accounts. And, if they discover your bank accounts, and if you testify to them at an examination, they are likely to levy on the accounts unless you have an agreement with them.

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1 Answer | Asked in Banking, Civil Litigation, Collections and Consumer Law for Illinois on
Q: Can creditors in illinois, whom have a judgment against me, find my bank accounts through my credit report?

I have a money judgment against from midland for $4000. The case is over, and the court gave them a DEFAULT JUDGMENT. This happend in cook county circuit court. This happened in June 2023. I'm not working now. Midland has not yet filed a citation to discover assets in court, yet.. I... View More

Joel Gary Selik
Joel Gary Selik
answered on Jul 31, 2023

Bank accounts do not generally show in credit reports, only credit cards.

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