answered on Sep 22, 2023
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 
I was out of states for two months. When I got back I noticed mails from different law companies that there is a lawsuit agains me. I have never was served papers. Don’t know what to do and if I have to be in court even if I never was served
answered on Sep 21, 2023
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
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
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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
answered on Jul 4, 2023
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
answered on Jul 4, 2023
It depends when your court date is, and whether there is any indication that the plaintiff has filed paperwork telling the court the hearing is canceled and/or the casebis dismissed. If there's no indication the plaintiff has canceled the hearing or dismissed the case,then you should appear at... View More
Dropped out of college 2 years ago due to mental health issues, struggled with jobs and finally have one now but i do not make enough. My student loan provider demands payments but i can’t make their almost $1000 monthly payments when i barely make $300-$400 weekly.. even when i get paid weekly i... View More
answered on Jan 9, 2023
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
answered on Nov 19, 2022
An Illinois attorney could advise best, but your question remains open for five weeks. It could depend on their previous notices and payment terms. Some questions here go unanswered - You could repost under "Collections Law." A local attorney who handles medical billing recovery should be... View More
Collection agency is suing for credit card debt, do I need a lawyer to represent me?
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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.
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
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.
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
answered on Jul 31, 2023
Bank accounts do not generally show in credit reports, only credit cards.
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.
A credit collection got a judgment against me nearly two decades ago. I was not aware of the proceedings, therefore never responded and it was a default judgment in 10/2005.
Subsequently the judgment was renewed in my new state of residence, again unbeknownst to me, and now are attempting... View More
answered on May 30, 2023
You should be able to still challenge it in the court in which it was made.
i owe a debt for a team for uniforms and the business has stated they contacted some players about the debt. Can the business disclose this information?
answered on Feb 28, 2023
Yes, in some circumstances, a creditor can contact others about a debt or judgment.
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
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
I discovered there is a lawsuit, and that they said I was served. I wasn't home. They described a "resident" at my house which is nobody I know. I live alone. How can I find out what other sketchy things this firm is doing or has done?
answered on Nov 15, 2021
Engage a licensed civil court litigator to do the preliminary inquiries in validity of that service and actual legal standing of that law firm.
The avocet at the court house is new and she said she didn’t have my information only information filed was my old phone number and old last name. She sent me letters but no letter asking me to call her.The avocet wasn’t working there at the time i turned in my information and car estimate so... View More
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answered on Oct 24, 2021
Your question is coming up under Illinois although it appears you live in MO. In any event, this will be true in either state, you can file a civil lawsuit to recover your damages, provided the statute of limitations has not run yet. Depending on the amount of damages, you may do so in small claims... View More
Defaulted on a bank line of credit. They won a judgement. They are trying to collect in court but they sold the debt to a collection company. Is it legal to double dip?
answered on Aug 10, 2021
Selling a judgment is not double dipping. During a post judgment proceeding you will be entitled to a credit for payments you made toward the judgment. From your question it does not appear that you have made any such payments. By selling the judgment the judgment creditor has simply transferred... View More
I won my case for selling a car with a vehicle sales agreement. The other party did not show. I see lots of things on the docket that I am not sure about. Due Date , satisfied, 851- Judgement, what do these headings mean?
answered on Jun 30, 2021
You should reference 735 ILCS 5/2-1401 for post judgment proceedings. Make sure that your order is final and appealable, meaning that it resolves all claims brought against all parties in the action. Assuming that to be the case, you will likely want to file a citation to discover assets, a... View More
I am trying to trade in a vehicle that is completely paid off. There is a memorandum of judgement for old credit card debt against me. This debt is only in my name, but the car is owned by both my wife and I. If I apply for a duplicate title, will the state stop the issuance of the title to me? Can... View More
answered on Dec 9, 2020
Unless there is a judgment lien against the vehicle, it should not affect your transfer snd sale of the vehicle.
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
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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