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Illinois Consumer Law Questions & Answers
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... Read 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
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.... Read 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... Read 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... Read 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... Read 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
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... Read more »

1 Answer | Asked in Consumer Law and Personal Injury for Illinois on
Q: I have been drinking sugar free drink packets since I was in Iraq in 2009 until now. Now I have crazy blood sugar levels

My blood sugar levels are super high due to an ingredient I was not aware would mess with my blood sugar, especially since I was drinking a SUGAR FREE DRINK Mix. So more than 10 years of drinking more than a gallon a day in 32oz water bottles each uaing a packet for flavor now I have super high... Read more »

Tim Akpinar
Tim Akpinar answered on Oct 1, 2020

An Illinois attorney could advise best, but your post remains open for two weeks. There wasn't a question included in your post, but if you are wondering whether this situation gives rise to a legal cause of action, you would need to reach out to attorneys to discuss in greater detail. As you... Read more »

1 Answer | Asked in Consumer Law and Tax Law for Illinois on
Q: Everytime i file my taxes, I always have had a problem with the irs, telling me i need an Identity theft number.

Everytime i get in contact with the irs they cannot help me. Over the phone they tell me to go online and verify my identity online. When i go online its asking me for a credit account, mortgage account, auto loan account, Student loan account and which i have neither. I have a secured CC but that... Read more »

Linda Simmons Campbell
Linda Simmons Campbell answered on Sep 16, 2020

Call your local taxpayer advocate. Here is a link to look up the number for your local office. https://taxpayeradvocate.irs.gov/contact-us

2 Answers | Asked in Consumer Law, Real Estate Law and Estate Planning for Illinois on
Q: Can they put a lien on my moms house over my deceased dads debt that she didnt agree to?

My dad died in january. Before he died he had roof work done on our house. They lied to him and promised insurance would cover the roofing, but insurance only covered a small amount. My mom now cant afford their 6k bill and kept the 2k check from allstate as well. Now the roofers are threatening a... Read more »

Robert Shipley
Robert Shipley answered on Sep 10, 2020

I am assuming that the home was owned jointly by your mother and father. That being the case, if the contractor completed the work, if they choose they can record a lien for the value of the work which has not been paid.

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1 Answer | Asked in Consumer Law and Civil Litigation for Illinois on
Q: Need to know type of lawyer needed

Lent car to a friend to have brakes worked on Friday. Per State police, car was in a hit and run at 4pm Fri. My parents were called at 1030pm, saying car will be towed, if your daughter doesn't call by midnight. (I am visiting from TX.) I returned home after 12mid. Tried to return call, but it... Read more »

George W. Svoboda
George W. Svoboda answered on Aug 18, 2020

Start with a criminal attorney in IL who does traffic tickets even though you weren't driving. Stop talking to the police. Once you get your car back, you can worry about getting it fixed and who pays for the damage. Luckily, you have insurance. USAA will probably take it from there.

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 »

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