Get free answers to your Consumer Law legal questions from lawyers in your area.
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.
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... View More 
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?
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.
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?
answered on Mar 9, 2020
They’re asking to court to grant the judgment because there are no material facts in dispute.
There was mental and emotional damage to all involved, and an unusual circumstance that is positive for a successful case brought against HERTZ
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... View More
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... View More
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.
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.
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... View More
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?
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
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
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... View More
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
-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.... View More
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.
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.
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:... View More
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
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.
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.
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... View More
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,... View More
said i need to look up the loan in my email back from 2011
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.
Struck from behind while stopped in traffic May 20, 2018 in Chicago. Driver admitted fault in police report. I was driving part time for Uber at time and two passengers gave statements to Uber's insurance adjuster. Allstate handles Uber claims in Chicago. At fault insurance company,... View More
answered on Aug 2, 2018
Did you sustain bodily injuries as a result of the collision? If so, I recommend organizing everything in your possession related to this matter, including the crash report and medical records, and consulting with a personal injury attorney. Many of us offer free consultations and will represent... View More
Prior didnt fill out an abatement form that I would be responsible. I have to fill the form out and it would cease any further bills but not the two months of bills they have sent out .
answered on Jul 21, 2018
Matters like this are normally covered as part of the real estate closing. If no one did a readout to close the account for the sewer bill as to the prior owners through the date of the closing on the property, you're probably going to be stuck with it if you want future service at the premises.
answered on Apr 9, 2018
Depending on the amount of the check, and if your sister had any other assets, you may or may not be able to avoid probate to cash the check. There are other considerations, including heirship and potential creditors.
You should contact a probate attorney in your county.
I purchased a used vehicle from a dealership in Illinois. After a week I had the vehicle in the shop for some work and it was determined at that time that the vehicle is unsafe to drive due to numerous issues with the front end. I was not made aware of these issues at the time of purchase. The... View More
answered on Mar 30, 2018
You still may be entitled to a remedy, even if you purchased the vehicle as is, but it is a very fact specific determination. Assuming you did not purchase an expressed warranty when you purchased the vehicle, there still may be an implied warranty if the vehicle purchased had less than 150,000... View More
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