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Illinois Contracts Questions & Answers
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...
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1 Answer | Asked in Contracts and Real Estate Law for Illinois on
Q: Good day, I was wondering if there was a way i could get an extension on my lease and not have to move out during thi

lock down period since i have an underlying conditions

Robert Shipley
Robert Shipley answered on Apr 23, 2020

You do not describe if commercial or residential, but I am assuming residential based on your description. I would recommend that you review the lease and examine if there are any clauses or provisions regarding an extension of the term of the lease. Even if there are no specific provisions... Read more »

1 Answer | Asked in Contracts for Illinois on
Q: Requesting copies of original finacial applications?

Can I request a copy of a finance application submitted by a dealership if I believe fraud has been committed. Can this be obtained from the company i.e. Credit Acceptance?

Robert Shipley
Robert Shipley answered on Apr 23, 2020

Based upon the question I assume you are referring to an application you submitted. I would first recommend you review the documents you were provided by the dealership which should have information regarding how to contact Credit Acceptance. You have the right to review the information submitted... Read more »

1 Answer | Asked in Contracts for Illinois on
Q: Wedding is July 31st in Toronto but due to COVID-19 we are considering canceling the reception but hall is threatening

Our guests have come back to us and said they do not want to travel and we don't feel comfortable putting others in harm. We have 200 guests that were ready to come from Chicago with us but circumstances have changed since the COVID-19 pandemic. I talked to the banquet hall about cancelling... Read more »

Robert Shipley
Robert Shipley answered on Apr 16, 2020

The Answer to your question is dependent upon a review of the contract, focusing on the cancellation provisions relating to Acts of God, diseases, epidemics or pandemic (although not likely to be described), emergencies, unforseen circumstances. The language of each contract is different, some... Read more »

2 Answers | Asked in Contracts for Illinois on
Q: My fiancé and I are getting married on 10.23.2020 and are considering canceling due to covid-19. In our venues contract

Nothing is stated about a pandemic or rescheduling. We have reached out to the venue and they are pushing to postpone our wedding, we don’t think that’s fair to push it back or have it on a Sunday for the amount we are paying for. What are our rights?

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Apr 13, 2020

You may not want to hear this advice but I believe that the venue you selected is being very understanding and very reasonable here.

That does not mean you cannot cancel your October 23, 2020 wedding; but if you do cancel now--six months early--you should not expect the venue to give the...
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1 Answer | Asked in Contracts and Products Liability for Illinois on
Q: Can I subpoena a former storage facility that sold my things if I have legal or personal documents that were sold.

I was negligent with the payments towards the storage facility and they told me they couldn't give me access to whom they sold my belongings to.

Tim Akpinar
Tim Akpinar answered on Apr 11, 2020

You could check with an Illinois attorney as to what the best way to proceed might be. Based on Illinois law, or the provisions of the storage contract, the facility could have legitimate reasons for not divulging the identity of the person. It's possible they have genuine concerns about being... Read more »

1 Answer | Asked in Contracts for Illinois on
Q: How can I protect myself as a contractor?
Bryan R. Bagdady
Bryan R. Bagdady answered on Mar 30, 2020

Take a look at my article on ten essential business contracts. This is a good starting point. Best of luck. - Bryan.

1 Answer | Asked in Contracts and Elder Law for Illinois on
Q: I am a senior have bought used cars from private never a problem. Less than 3 months ago $1800 for a car in East Peoria
Evan S. Sloan
Evan S. Sloan answered on Feb 5, 2020

It's difficult to understand what exactly happened from your post. Please post again with additional facts.

1 Answer | Asked in Contracts, Divorce and Real Estate Law for Illinois on
Q: Illinois, I contract for deed my home 82214 NotMarried boyfriend moved in 1 year later we married I was ONLY one worked

His name is on nothing he work for cash only I have W-2s he left me got incarcerated for a year and he still is not living in the home he has many vehicles on property and I don't see him and vehicles are open titles can I get rid of them? &

my home is paid off and we're... Read more »

Marilyn  Johnson
Marilyn Johnson answered on Jan 12, 2020

The only grounds that you can use for a divorce in Illinois are irreconcilable differences. You should not dispose of any property. Wait until you have a court order regarding the property. If the house is titled in only your name and you acquired it prior to your marriage, it should be considered... Read more »

1 Answer | Asked in Contracts for Illinois on
Q: Am I allowed to get out of my lease early if my boyfriend & I lost our jobs? We still 8 months on our lease
Cynthia Pietrucha
Cynthia Pietrucha answered on Dec 31, 2019

It depends on what the contract says and if your landlord is being flexible to the terms. Most leases clearly state and lease term (such as 12 months) as well as renewel terms (such as automatic renewal unless one party cancels in writing so many days before the renewal starts). If you are stuck... 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.

1 Answer | Asked in Bankruptcy and Contracts for Illinois on
Q: In a chapter13 there's a 3 yr and 5 yr commitment period. What's the pros and cons of requesting a 3 yr modified to 5

Is there a nonstandard provision for this motion to modify from a 3 yr to 5 yr

Timothy Denison
Timothy Denison answered on Oct 28, 2019

There can be any number of months plan period up to 60 months. Three years (36 months) gets it paid two years sooner than 60 months but the paymentS are higher. And vice versatility.

1 Answer | Asked in Contracts for Illinois on
Q: I live in States. I need to make Power of attorney for someone in Iraq ASAP. What's the steps?How long the process take
Bruce Alexander Minnick
Bruce Alexander Minnick answered on Aug 3, 2019

Search for a probate lawyer and get them to help you; will not take long at all; if you get of the Internet and go.

2 Answers | Asked in Contracts for Illinois on
Q: Given false information before sign a contract what are my options?

I went to a company that told me a price of $1326 for the goods and services they are giving me before I signed a contract now that I have signed the contract and paid the amount $1326 I was told they are now saying that what I was told is not correct and are trying to charge me separately for... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Aug 2, 2019

If you signed a written contract you are bound by the terms of that contract. It does not matter what "they" told you; and it does not matter whether they gave you a copy of the contract you signed; why did you not ask for a copy?

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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.

2 Answers | Asked in Contracts, Copyright and Civil Litigation for Illinois on
Q: Do I have any right to photos taken for free?

My sister took my wedding photos for free as a “gift”, but since then has decided she’s not going to give them to me. She won’t talk to anyone or listen to anyone who asks her for the photos. Many family members have offered to pay to see the photos but she refuses. We were married in a... Read more »

Bruce Alexander Minnick
Bruce Alexander Minnick answered on Jun 17, 2019

Unfortunately, no. The law does not provide for any way to enforce unkept promises unless there was an agreement and unless both sides received consideration. I suggest you try to compromise and at least pay the photographer something--because the photos are hers.

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1 Answer | Asked in Real Estate Law and Contracts for Illinois on
Q: Receiving another offer after accepting a contingent offer?

If a buyer makes an offer on a home that is contingent on selling their existing home and the seller accepts the offer, but then receives a second offer can they accept the second offer? If so, what happens with the buyer who had the first accepted contingent offer?

Steve McCann
Steve McCann answered on Jun 13, 2019

It depends on the specific language of the contract, and the duration of the contingency periods you describe. That being the case, I recommend you ask the attorney that is representing you in this matter, as he or she is most familiar with the transaction and is in the best position to provide... Read more »

1 Answer | Asked in Business Formation and Contracts for Illinois on
Q: I received a call from an IT company . Demanding payment. Can they do this?

I did pay for their service several years ago but did no business with them afterwards. They indicated the service has been continued as the contract indicated auto renewal. They wanted $999.99 a year since 2016. They offered to settle for several lesser amounts and wound up settling for $199.99... Read more »

Peter M. LaSorsa
Peter M. LaSorsa answered on Jun 12, 2019

It would depend on the terms of the agreement you signed. And it would also depend on how they were taking payment from you and if they can prove you were given services or the services were available to you during that time. You should seek an attorney to review your agreement--pay the hourly... Read more »

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