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Illinois Consumer Law Questions & Answers
2 Answers | Asked in Civil Litigation, Collections, Bankruptcy and Consumer Law for Illinois on
Q: Can my uber (1099 )wages be garnished by a creditor? I have default judgment for 9,000 in chicago IL, court.
Joel Gary Selik
Joel Gary Selik
answered on Jul 23, 2023

garnish, no. Levy yes. The difference is they can only get what you were due at the time of the Levy, not what you may be due in the future.

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1 Answer | Asked in Bankruptcy and Consumer Law for Illinois on
Q: DEFAULT Judgment against me for 9000 from creditor. ILLINOIS. Can my uber wages be garnished if I can't pay? Bank levy?

I believe they could put a levy on my bank account. My wages from uber go into this account. Can I open a new bank account, and use that for my wages? Do creditors have to make seperate court filings for individual banks? Or does one bank levy order apply for all banks ?

Timothy Denison
Timothy Denison
answered on Jul 23, 2023

Open a new account. Separate filing foe each account.

1 Answer | Asked in Consumer Law, Estate Planning, Foreclosure and Real Estate Law for Illinois on
Q: If my dad gave me $215,000 as a gift to buy a house in IL and the mortgage is in my name can I kick him out?

My dad gave me $215,000 to buy a house as a gift. The mortgage broker prepared a gift letter for me (19) to purchase this house in my sole name. I dislike my dad and he is toxic to my mental health. Down the road, I would like to kick him out of my house, since my name is on the mortgage and... View More

Liu "Margaret" Yang
Liu "Margaret" Yang
answered on Jul 10, 2023

You're going to need more than free advice on the internet. Consult with a local real estate attorney ASAP.

1 Answer | Asked in Bankruptcy and Consumer Law for Illinois on
Q: Debt Insolvency WorkSheet Question

My wife and I received a CP2000 for a cancelled debt of a car loan (the car WAS NOT repossessed and she got that loan before we got married).

The facts:

The debt was my wife's debt from before we got married.

The car is still owned by the bank who gave my wife the... View More

Timothy Denison
Timothy Denison
answered on Nov 2, 2022

Total her assets alone on that form.

1 Answer | Asked in Bankruptcy and Consumer Law for Illinois on
Q: how do i get a court ordered hold on my bank account removed, so i can pay debt out of my ira account with the same bank
Timothy Denison
Timothy Denison
answered on Nov 1, 2022

Make a motion to release or terminate the hold in the court that originally ordered the hold.

1 Answer | Asked in Consumer Law and Small Claims for Illinois on
Q: Hired a mechanic to work on my car after leaving I noticed my car wasn’t working well got it checked out and it’s broken

The mechanic had to move everything out in order to fix my transmission but I believe while doing that he messed something up because after that my cars Turbo started to fail (never had a problem with it) now I have a broken car and 3.6k down the hole. I called him and told him this and he took the... View More

T. J. Jesky
T. J. Jesky
answered on Sep 11, 2022

Well, it appears that the mechanic did not do his job correctly. If the mechanic cannot fix the problem or reimburse you for your expenses, I would suggest litigating this matter in Small Claims Court. If the mechanic is unresponsive, you can let him know that you plan to file a case in Small... View More

1 Answer | Asked in Consumer Law, Personal Injury and Small Claims for Illinois on
Q: can a sue a car repair shop for breaking a part on my truck and not fixing it they have had it for 2 months

whatever they broke now its going to cost $5600 to fix and they will not take my calls and they have had the truck for over 2 months now I have already paid $1782.00 for the heater core and now the computer is not working and the truck will not start they still have the truck and said it will be... View More

Charles Candiano
Charles Candiano
answered on Mar 31, 2022

Maybe. Before you go down that road, your best advice may be to have the car towed to the dealer before anything else is done. The dealer can tell you whether the heater core was properly installed and they should be able to explain how it would be possible to damage the computer while performing... View More

1 Answer | Asked in Consumer Law, Contracts, Products Liability and Insurance Bad Faith for Illinois on
Q: Do I have to pay them since they forgot?

I got a 3k check from my car insurance, repair shop was supposed to charge me it plus $500 deductible from my end. They only charged me $500 total and are just now asking for the check.

I live near Chicago, Illinois . Thanks lol

Ana M. McNamara
Ana M. McNamara
answered on Feb 3, 2022

Well, its your lucky day. The amount of check from the insurance was based upon an estimate of damage provided to them by their adjuster or an outside body shop. The fact that the body shop charged you less in the end should not change the amount of the check from the insurance. If the check is... View More

1 Answer | Asked in Consumer Law, Copyright and Patents (Intellectual Property) for Illinois on
Q: For US patent law, if you make an item that you've never seen a patent law for, is it illegal?

A friend group I had came up with an idea of a motor that can run itself. We would be able to run things off of said idea and it would be borderline free energy. With people having ideas for a hundred years, I doubt that someone has came up with this exact idea. If we were to move forward and... View More

Kevin E. Flynn
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Kevin E. Flynn
answered on Jan 31, 2022

Your question in a general sense is does it matter whether or not you have seen a patent for an idea before you start selling a product covered by that patent.

The answer is that you are liable for patent infringement to the owner of the earlier, unexpired patent whether or not you had...
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1 Answer | Asked in Consumer Law, Civil Litigation, Collections and Social Security for Illinois on
Q: I'm on SSI Disability can I be garnished by a collection agency about a credit card that I've been unable to pay on?

It's a collection agency who is taking me to court tomorrow via a zoom call. I've not been able to pay on it due to everything going up in price and I live on a very low income and am behind on my water bill and several other bills. I was behind on rent until just recently, over a year... View More

Bryan R. Bagdady
Bryan R. Bagdady
answered on Jan 26, 2022

Your inability to pay does not stop the entry of judgment. If there is already a judgment and you are up on a post judgment citation or garnishment, you should read and be aware of the exemption provisions of the post judgment code of civil procedure. Specifically, 735 ILCS5/2-1402 states at (b)(1)... View More

2 Answers | Asked in Bankruptcy and Consumer Law for Illinois on
Q: Law suit loan company took loan money after I filed bankruptcy.

I took a loan against my workers comp case in 2018. I filed chapter 7 bankruptcy in December 2020, bankruptcy was discharged April 2021 with the loan company on the bankruptcy and they did not contest the discharge. WC attorney office paid the loan company in December 2021 when my case settled not... View More

Robert J. Walinski
Robert J. Walinski
answered on Jan 7, 2022

In all probability the lender had a perfected security interest in the settlement. While any personal liability on your part was discharged, the lien would survive the discharge unless you successfully moved to avoid it. The basis for such avoidance would normally be that the lien somehow... View More

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1 Answer | Asked in Consumer Law, Civil Rights and Internet Law for Illinois on
Q: Lawsuit I need pls no Illinois or Minneapolis lawyer pls agsinst a Illinois judge Shapiro he giving my wife spcL treat

marie the one who has Illinois judge Shapiro an special treatment personal against me

Alexander Ivakhnenko
Alexander Ivakhnenko
answered on Dec 6, 2021

Even generally, in order to assess your particular legal situation involving a certain judge you must discuss all facts and details directly with a LICENSED attorney in the jurisdiction where you think the action took place.

1 Answer | Asked in Banking, Business Law, Consumer Law and Contracts for Illinois on
Q: What does the law 15 usc 1662 b translate to? does it mean that I am not required to put a down payment?
T. J. Jesky
T. J. Jesky
answered on Oct 11, 2021

Short answer: No. The reg states that no advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified down payment, by the creditor who advertises his services.

1 Answer | Asked in Consumer Law, Contracts and Copyright for Illinois on
Q: Can I sue PlayStation if they won't give me access to games I have payed for?

I am a member of PlayStation Plus which gives out 2 free games each month but I am not being given access to 6 of the games, basically not allowing me to access 3 months of content I have payed for. I spoke with their management and they said it's an issue they are working on but there's... View More

Marcos Garciaacosta
Marcos Garciaacosta
answered on Aug 16, 2021

Probably not. check the terms of use.

1 Answer | Asked in Consumer Law, Contracts and Construction Law for Illinois on
Q: Unlicensed roof subcontractor, hidden from homeowner, did incomplete and unsatisfactory work, is homeowner breaching

contractual agreement if holding out on payment until compensated

for incompetent, incomplete work?

Frederick A. Lurie
PREMIUM
Frederick A. Lurie
answered on Apr 14, 2021

I am not sure what your question is but under Illinois law, it is unlawful to do any roofing work without a license under the Roofing Industry Licensing Act.

1 Answer | Asked in Consumer Law, Employment Law, Constitutional Law and Employment Discrimination for Illinois on
Q: Hello. I haven't received my rise due Dec 2020. Also construction going on was sent home without pay. Miriam

I was FT now PT due to coronavirus Manager cut my hours to 60. I tried unemployment. I was denied because Manager gave me 21 hours a week since pandemic should've have been 20 or less a week. Also I get no Holiday pay when I worked FT. I had to use my vacation time for Holidays to get paid.... View More

Peter N. Munsing
Peter N. Munsing
answered on Feb 26, 2021

as to unemployment, some changes are being made so that federal benefits may be applied for.

1 Answer | Asked in Consumer Law, Foreclosure and Real Estate Law for Illinois on
Q: Where can I find a free or fee based attorney to help me save my house? I have kids

Between husband being off due to infection in hand and when he went back to work a pay cut and my hours cut we are behind on our home and now an attorney has sent us a letter about taking house

Tim Akpinar
Tim Akpinar
answered on Jan 3, 2021

An Illinois attorney could advise best, but your post remains open for five weeks. You could try running some searches under "legal aid attorneys" and similar and related terms. Also try searching for "pro bono legal services." Look into whether the Illinois State Bar... View More

1 Answer | Asked in Consumer Law, Contracts and Tax Law for Illinois on
Q: How should I process. Pertaining to this case. About suing H&R Block.
T. J. Jesky
T. J. Jesky
answered on Nov 16, 2020

It would depend on the cause and amount of the suit. If you plan to sue them for under $10,000 you should consider suing them yourself in small claims court. There is a good possibility that once you file the suit in small claims and serve them with notice of the suit, they may work with you to... View More

1 Answer | Asked in Consumer Law for Illinois on
Q: What options do I have if potential landlord won't return partial deposit I paid

Sent a money order for $100 to apartment manager in WI to reserve apartment per our agreement by email. As full deposit is $300. Its a low income aparyment.

But should I decide not to move would they return it or would cancelling money order work?

I once did money order for order... View More

Tim Akpinar
Tim Akpinar
answered on Nov 16, 2020

An Illinois attorney could advise best, but your question remains open for four weeks. There's no guarantee all posts are picked up, but you could try reposting under Landlord-Tenant for better chances of a response. Good luck

Tim Akpinar

1 Answer | Asked in Consumer Law, Civil Litigation and Collections for Illinois on
Q: I have a judgement in wisconsin that's around 10 years old I just got an letter that they want to garnish my wages

They have never before this point tried to collect on it they have even sent me letters over the years trying to get me to come get another car thru them I dont have the money to pay them me and my husband dont make that much and we have three kids

Robert Shipley
PREMIUM
Robert Shipley
answered on Nov 5, 2020

State statutes have provisions by which judgments can be revived. You do not identify if the action is pending in Wisconsin or Illinois. Regardless, I would strongly recommend that you have a consultation with an attorney whose practice is concentrated in consumer law, to review whether the... View More

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