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

Question: Can bank leave paperwork at my mother’s house if I do not live there?   I am being sued for a banking debt. The paperwork was delivered to my mother’s home. She tried not t o accept it since I don’t live there. They just left the paperwork on her porch. I actually have no… Read More

Question:  What can I do if I just got a call from a processing legal rep call me at work and said I could face criminal charges if I don’t pay $400 today? A bad check processing person called me at work to tell me I will face criminal charges if I don’t pay $400… Read More

Question: If I can’t afford to pay my jeep payments, and would like to return it as a voluntary repo, would they still make me pay it either way? Answer:   Yes.  They will sell it at an auction for much less than its real value, then sue you for the deficiency.   My suggestion would be… Read More

Questionl: My daughter’s bank placed a freeze on her account due to a collection judgement. They are holding $950. All of the money she has. Is this legal? Answer:  If the source of the income is social security or pension benefits, it should not be frozen.  Regardless of the source of the income, in Illinois,… Read More