Lawyers, Answer Questions  & Get Points Log In
Illinois Consumer Law Questions & Answers
1 Answer | Asked in Consumer Law, Contracts and Products Liability for Illinois on
Q: I was quoted a price from a dealer with a buyers order faxed and dealer claiming they quoted wrong price. Have to honor?

I was quoted a price on a used vehicle from a dealership in Centralia, MO. The dealer quoted the vehicle at $21,905. I agreed to purchase the vehicle and the dealer sent over buyers order to my bank to secure funds. After funds were secured and the morning I was supposed to pick up the vehicle,... Read more »

Robert Shipley
Robert Shipley answered on Jul 28, 2020

Based upon your description the sales/transaction documents will need to be reviewed. Since the dealership is in Missouri, you should contact an attorney licensed in Missouri whose practice is concentrated in consumer law.

1 Answer | Asked in Consumer Law and Products Liability for Illinois on
Q: Dealer has "fixed" and given back my car multiple times, while the problem still persisted. Now they say it's unsafe.

A few months ago, my car started showing me a warning that the front passenger restraint system has a problem with it, which could cause non-deployment of airbags in the case of a crash. I gave it to the dealer for repair, and they told us they fixed the problem. The warning continued after I got... Read more »

George W. Svoboda
George W. Svoboda answered on Jul 24, 2020

It sounds like the dealer has had the car multiple times for the same problem. If this car is relatively new, you may have a Lemon Law complaint. They probably didn't know that the car wasn't repaired the first couple of times they gave it back to you, so it would be hard to prove they... Read more »

1 Answer | Asked in Consumer Law and Contracts for Illinois on
Q: What happens to my service warranty if the automotive repair company is out of business?

I had an engine rebuilt 5 months ago and the engine just went bad. The repair had a 1 year/10,000 mile warranty. I contacted the company, but was told they are permanently closed. Do I have any options? The company is an LLC, and is located in Illinois.

George W. Svoboda
George W. Svoboda answered on Jun 29, 2020

You may still have a claim against the company. You will need to find out if they filed their dissolution paperwork with the IL Secretary of State. You can search the cyberdriveillinois.com website for their status. You can also check to see if there is a bankruptcy filing. If there is, you can be... Read more »

1 Answer | Asked in Bankruptcy, Consumer Law and Contracts for Illinois on
Q: im being sued for a car that i haven't paid on because i was intoxicated and couldnt afford it in the first place

in an attempt to get away from the drugs and get a job that would allow me to keep the car i moved to a different state and while in the other state the cars ecu blew up while i was driving and i didnt have insurance on the car yet then the bank had it repoed and told me it was a blown up motor... Read more »

Timothy Denison
Timothy Denison answered on Jun 10, 2020

You can negotiate with the creditor to resolve it. Offering a lump sum payment as resolution might go a long way to settling it. If not, your only other option is bankruptcy.

1 Answer | Asked in Consumer Law and Contracts for Illinois on
Q: Is it legal for my HOA to require me to provide them with mortgage information in the state of IL?

I live in Illinois and own a condo. I have a mortgage on the condo. The HOA is requiring I provide them with mortgage provider, loan number and mortgage provider phone number. Is this legal? I understand proof of insurance, but mortgage information seem like an invasion of privacy.

Robert Shipley
Robert Shipley answered on May 2, 2020

765 ILCS 605/22.1(c) of the Illinois Condominium Property Act requires:

c) Within 15 days of the recording of a mortgage or trust deed against a unit ownership given by the owner of that unit to secure a debt, the owner shall inform the Board of Managers of the unit owner's association...
Read more »

1 Answer | Asked in Consumer Law for Illinois on
Q: Does the address on the FOID card dictate what firearms can be purchased?

Certain firearms are restricted in Cook County. Can a FOID holder with a Cook address purchase a Cook restricted firearm in a IL county where the purchase

is allowed and store that firearm in a county other than Cook?

John S. Fotopoulos
John S. Fotopoulos answered on Apr 29, 2020

You should be able to purchase any legal firearm with your FOID card in the State of Illinois. However, there are restrictions of what type of firearms you can possess in certain municipalities.

1 Answer | Asked in Bankruptcy, Consumer Law, Civil Litigation and Collections for Illinois on
Q: Memorandum of Judgement?

I have a judgement against me in a civil suit for credit card debt. They just filed for a Memorandum of Judgement. What does this do for the case going forward?

Timothy Denison
Timothy Denison answered on Mar 9, 2020

They’re asking to court to grant the judgment because there are no material facts in dispute.

1 Answer | Asked in Consumer Law and Personal Injury for Illinois on
Q: We had an unusual experience with HERTZ in Chicago IL that affected us and our children. Type of attorney to sue HERTZ?

There was mental and emotional damage to all involved, and an unusual circumstance that is positive for a successful case brought against HERTZ

Evan S. Sloan
Evan S. Sloan answered on Feb 5, 2020

Mental and emotional damages can be hard to prove. An attorney will need much more information on what happened to perform a proper evaluation of your situation. It is difficult to ascertain what exactly occurred from your post. Please post again with more facts or contact a local personal injury... Read more »

1 Answer | Asked in Consumer Law, Insurance Bad Faith, Insurance Defense and Real Estate Law for Illinois on
Q: what can I do if my mortgage company doesn’t pay my homeowners insurance?

I escrow my homeowners insurance and my mortgage company didn’t pay my homeowners insurance and now I have a leak in my kitchen. I tried resolving the issue with my mortgage company but they are not being responsive. What can I do? They still have not paid my homeowners insurance and have not... Read more »

James G. Ahlberg
James G. Ahlberg answered on Jan 10, 2020

Gather all the paperwork involving your situation and take it to an attorney. It's likely the mortgage company can be persuaded to do the right thing, or sued if they don't.

1 Answer | Asked in Consumer Law and Civil Litigation for Illinois on
Q: Are plaintiffs required to notify defendants about the motions they file?

I, the defendant, never received any notice from the plaintiff regarding a motion to dismiss my answer that they filed. They have also more recently filed several motions for discovery, none of which I have had any notice of. I only found out by looking up the case in the online records.

Adam Savett
Adam Savett answered on Dec 26, 2019

Generally yes. You don't say if your case is in Federal court or State court. You also don't say if you are represented by an attorney, but since you are seeking answers online, I presume that you are not represented by one.

If you look at the motions that were filed (that you...
Read more »

1 Answer | Asked in Contracts and Consumer Law for Illinois on
Q: Is it illegal for my interest rate on my car to be close to 30% if my monthly income $2000 monthly?
Tammy Lyn Wincott
Tammy Lyn Wincott answered on Nov 22, 2019

It's not usually based on your income.

2 Answers | Asked in Bankruptcy and Consumer Law for Illinois on
Q: I have credit card debt under $15,000, disposable monthly income of $200, and a home. What bankruptcy should I file?

I have credit card debt under $15,000, disposable monthly income of $200, and a house that was given to me that appraises at $48,000 that I wish to keep. And I have no other assets of value over $1,000. What bankruptcy chapter should my attorney file? A chapter 7 or chapter 13?

Stuart Nachbar
Stuart Nachbar answered on Nov 1, 2019

You should file a chapter 13, but I do not think that your disposable monthly income is enough to payoff enough of the debt to keep the house

View More Answers

1 Answer | Asked in Bankruptcy and Consumer Law for Illinois on
Q: If I only have 1 unsecured debt of $13,000, but disposable monthly income of $168.00, what bankruptcy should I file?

If I only have 1 unsecured debt of $13,000, but disposable monthly income of $168.00, what bankruptcy should I file? A chapter 7 or chapter 13? Or just negotiate with the creditor for a pay-off amount? I forgot to add that I have no assets of value over $1,000

Timothy Denison
Timothy Denison answered on Oct 31, 2019

Chapter 7

1 Answer | Asked in Civil Litigation, Contracts, Consumer Law and Construction Law for Illinois on
Q: can I sue a prebuilt shed company?

I bought a brand new 10x12 prebuilt shed delivered to my property that leaked from day one. After a few half hearted attempts to fix it among several non returned calls and no shows the owner of the company said he would take it back and refund my money. That was 2 months ago every time I call him... Read more »

Tim Akpinar
Tim Akpinar answered on Jul 17, 2019

First check the terms of the agreement. It could possibly contain provisions that include arbitration as a forum for handling disputes.

Tim Akpinar

1 Answer | Asked in Consumer Law, Small Claims and Contracts for Illinois on
Q: Bought a used car from a dealer that ended up having problems. Is there any action I can take to receive reimbursement?

-Dealer insisted that car was in very good condition, despite not being "certified pre-owned"

-Car battery failed 2 weeks after buying. Dealer insisted battery was good for another couple years.

-Engine started having immediate issues. Cost $200+ so far in repairs.... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jul 16, 2019

Sounds like you just ran up against the oldest advice ever given concerning buying used cars (and many other things in America): "Caveat emptor" which means "let the buyer beware."

Based upon your set of facts I am unaware of any form of relief available--and that would succeed--in you case.

1 Answer | Asked in Consumer Law for Illinois on
Q: What does "claim form deadline no earlier than July 1 2019" actually mean? Do we file before or after date?

There is a class action lawsuit and it says the above but I am not sure if we file a claim before July 1 or after.

Adam Savett
Adam Savett answered on Jun 26, 2019

This question appears to relate to a settlement in Rickert, et al. v. Caliber Home Loans, Inc., and American Security Insurance Company.

The claims administrator (the company that will process and evaluate the claims) has a website devoted to the case, here:...
Read more »

1 Answer | Asked in Consumer Law and Family Law for Illinois on
Q: What is Justia.com? Can I use it for assistance to a family member since I don't want any deception.
Tim Akpinar
Tim Akpinar answered on Feb 21, 2019

It's a website where you can find attorneys, post legal questions, and find other resources, such as legislative developments.

Tim Akpinar

1 Answer | Asked in Consumer Law, Traffic Tickets and Collections for Illinois on
Q: What are my rights with municipal red light fine debt harassmen

I have sent my own legal letter and disputed claim. The municipal has a law firm after me. I don't work. I am disabled.

Juan Ooink
Juan Ooink answered on Nov 5, 2018

Law Firm after you? I think you mean the matter has been sent to collections, which means you likely missed your opportunity to dispute the ticket. I suggest contacting the Law Firm and seeing what can be done.

1 Answer | Asked in Consumer Law and Construction Law for Illinois on
Q: A contractor took my deposit over 10k and never performed work, will not provide refund, said he no longer wants to talk

The contractor verbally promised a 10% discount and build date within 60-90 days if I signed a contract and provided down payment that day. I agreed and signed a contract. The contract did not list the build date. After multiple calls and text messages over the course of 8 months (the contractor... Read more »

Steve McCann
Steve McCann answered on Sep 20, 2018

You have a couple of options, but the best option is dependent on specific facts that are not provided here, such as the terms of the contract, and details about the contractor's company. That being the case, I recommend you organize everything in your possession regarding this message,... Read more »

1 Answer | Asked in Consumer Law for Illinois on
Q: i received a call from agency saying i had a loan from june of 2011,, ask her question she could only give the frim name

said i need to look up the loan in my email back from 2011

T. J. Jesky
T. J. Jesky answered on Sep 8, 2018

This sounds like a scam call. If you really owned them money, you would most likely remember, and they would be eager to give you more information. Don't lose sleep over this matter.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.