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Illinois Consumer Law Questions & Answers
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

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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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.

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 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.

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.

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 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

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 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 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 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 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

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