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answered on Mar 13, 2024

When a hospital files for bankruptcy, it does not necessarily mean that all of its outstanding debts are automatically wiped out. The specifics of what happens to the hospital's debts depend on the type of bankruptcy filed (Chapter 7, 11, or 13) and the court's decisions during the... View More

When most businesses (a hospital is very much a business) file for bankruptcy protection, it is done under Chapter 11 of the bankruptcy code, with the intent to "reorganize" financially.

In that scenario, collections, even small-scale, of amounts which may be owed to the... View More

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answered on Jan 18, 2024

In Illinois, the statute of limitations for written contracts, including debts arising from pawn transactions, is generally 10 years. If you pawned a diamond ring and made payments on it 12 years ago, it's possible that the statute of limitations has expired, and the debt may be time-barred.... View More

In Illinois there is no penalty for breaching a contract. In fact, Illinois law expressly allows a party to breach a contract. However, once a party breaches, it is obligated to make the other side whole. Meaning that the benefit of the contract must still be given to the non-breaching party.... View More

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answered on Apr 12, 2025

In Illinois, wage garnishment requires a court judgment before it can be legally enforced. You cannot arrange for wage garnishment directly with your landlord without going through the court process. This means that if your landlord wants to collect the unpaid rent through garnishment, they must... View More

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answered on Apr 11, 2025

This situation is extremely stressful, especially when you’re being accused of something you didn’t do and face the threat of eviction and financial damage. Under 24 CFR 982.552(c), a housing authority can take action against tenants for fraud or failure to report income—but it must be based... View More

Whether a debt collector canbgarnish your wages has nothing to do with you having a contract with them. There is no such thing as a debtor having a contract with a debt collector that allows the debt collector that he can do by law.

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answered on Aug 5, 2024

In Illinois, a judgment creditor generally cannot place a lien on property owned as joint tenants with rights of survivorship if only one tenant owes the debt. Since your sister does not owe the debt, her interest in the property is typically protected from the creditor's claims. This means... View More

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answered on Jul 31, 2024

Yes, California taxing authorities can seize your car to satisfy a debt. This is a measure taken when other attempts to collect the debt have failed. Your vehicle may be subject to seizure if it has significant value and is one of your assets.

However, they typically consider your essential... View More

Your solution is to retain a real estate attorney, now. Nobody online can tell you what document to file without reviewing the case.

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answered on Nov 10, 2023

If the amount of the debt is small and the case is relatively straightforward, you may be able to represent yourself successfully. However, if the amount of the debt is large or the case is complex, it is in your best interest to hire a lawyer.

Check the court records where the lawsuit is pending. Typically, a legal instrument called a "return" is filed with the court reflecting service of process on defendants. The return should state when and how the summons was delivered to you. For example, it might read that it was... View More

In Illinois, a court does not obtain jurisdiction over you until you are served with the summons and complaint. If several attempts were made to serve you and they were unsuccessful - presumably so since you were out of town, then the plaintiff may be in a position to ask the court for permission... View More

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.

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

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.

Yes. When I was a young lawyer, our managing partner would repeat on a regular basis that if you are in a case, you go to all court hearings. If you don't want to go to a court hearing, then get out of the case. Some things are simple, attending all court hearings while a case is open is one... View More

You should be able to still challenge it in the court in which it was made.

Yes, in some circumstances, a creditor can contact others about a debt or judgment.

You took out the loans, now it's time to pay up. The lender is not interested in your personal problems, nor does it have any idea about your relationship with your parents; the suggestion to borrow money was a suggestion, nothing more. There's no need or purpose to you becoming offended.... View More