If you are being sued on a Chase credit card debt, most likely by a debt buyer, the following is important: JPMorgan review finds errors in debt-collection lawsuits: WSJ Wed Jul 10 06:02:03 UTC 2013 (Reuters) – JPMorgan Chase & Co <JPM.N> made mistakes while suing thousands of its credit card customers over non-payments,… Read More

At Edelman, Combs, Latturner & Goodwin, LLC, we are always interested in news impacting consumers. This recent story highlights a troubling new business targeting low-income consumers — tire rental companies. These companies are operating on a similar model as the furniture rental business, which has not always been consumer friendly, but they have the ability… Read More

Having an accurate credit report is more important than ever. According to a recent Bloomberg BusinessWeek article, half of employers are using credit reports to screen job applicants. http://www.businessweek.com/articles/2013-06-14/states-move-to-ban-credit-screening-for-job-applicants#r=hpt-ls Illinois law now prevents employers from doing so for many jobs, but there are lots of exclusions. Our law firm has successfully helped many people get… Read More

Fax Advertising: What You Need to Know Background The Telephone Consumer Protection Act (TCPA) and Federal Communications Commission (FCC) rules generally prohibit most unsolicited facsimile (fax) advertisements. In addition, the Junk Fax Prevention Act, passed by Congress in 2005, directs the FCC to amend its rules adopted pursuant to the TCPA regarding fax advertising. The… Read More

Unwanted Telephone Marketing Calls Background Has your evening quiet time or dinner been interrupted by a call from a telemarketer? If so, you’re not alone. Congress first passed the Telephone Consumer Protection Act (TCPA) in 1991 in response to consumer concerns about the growing number of unsolicited telephone marketing calls to their homes and the… Read More

World’s Largest Debt Collection Operation Settles FTC Charges, Will Pay $3.2 Million Penalty  Largest Civil Penalty Ever Obtained by the FTC Against a Third-party Debt Collector The world’s largest debt collection operation, Expert Global Solutions and its subsidiaries, has agreed to stop harassing consumers with allegedly illegal debt collection calls and to pay a $3.2… Read More

Question: How can I avoid paying for a car after it is repossessed.  I am the cosigner and did not obtain possession of the car. Answer:  Under Illinois law, the creditor is required to provide you with written notice that the principal debtor is in default and an opportunity to take over the payments (815… Read More

Question:  I paid for furniture with my credit card.  The store went out of business and never delivered the furniture. What are my rights? Answer:  The Fair Credit Billing Act allows you to dispute the charge with the credit card issuer.  This law applies to “open end” credit accounts, like credit cards, and revolving charge accounts,… Read More

Question: Am I responsible for my mother’s debt after she passed away?   When my mother passed away the home she lived in ended up being taken by the bank. She had no will, no money. I recently received a letter stating that I owed a huge sum of money on her house even though I… Read More