Our Office Location
20 South Clark Street
Chicago, IL 60603
Potential Claims You May Have
Consumer protection and class action lawyers at the law firm of Edelman, Combs, Latturner & Goodwin, LLC, welcome inquiries by phone or email from consumers and investors whose rights have been violated through illegal predatory lending, interest overcharges, “junk fees” on mortgages, wrongful foreclosure of mortgages, inaccurate credit reports, unfair debt collection practices, breach of warranty involving automobiles, and discrimination involving fair housing.
Potential Claims You May Have
Many people often do not realize they have valid consumer law claims. If any of these consumer matters apply to you, please call or send us copies of any documentation you have received. We may be able to help you recover substantial sums of money.
Most unsolicited fax advertisements are illegal. About 25% are worth suing over. We will need a copy of the fax to evaluate your case. Please see our list of pending junk fax cases. You may recover $500-$1500 per violation.
Automated Calls to Cell Phones
We are interested in persons who have received autodialed or prerecorded calls on a cell phone.These can be collection calls or telemarketing calls. Person has claim if they received such calls but did not provide the cell phone number to either the original creditor or a debt collector/ buyer (worth $500 to $1500 per violation). We can go back 4 years.
ATMs: Many banks impose charges on non-customers who use their ATMs without posting the proper notice on the outside of the ATM that such charges will be imposed. This notice is in addition to a notice appearing on the screen. The failure to provide such notices may entitle you to statutory damages of $100-$1000 per violation.
Credit and debit card receipts: We are looking for electronically generated credit / debit card receipts which show any digits of the credit / debit card number other than the last five or the expiration date. You can go back two years.
Medical Financing. Please contact us if you have financed medical or hospital bills through arrangements made by the medical provider or hospital.
Collection Letters and Practices
We will gladly review any collection letters that you receive. Many debt collectors and collection lawyers routinely violate the Fair Debt Collection Practices Act. This is a federal law gives consumers certain rights and prohibits certain methods of attempting to collect debts. This may entitle you to recover up to $1000 plus actual damages. Typical violations include the following:
- Contacting family members, neighbors and employers when unnecessary to locate debtor. This is an increasingly common and illegal practice
- Making threatening, false or abusive comments when attempting to collect a dept
- Notices of privacy rights / information practices that state that your information can be disclosed to subprime lenders and other third parties for marketing purposes
- Lawsuits filed in Illinois by bad debt buyers
- Please contact us if a bad debt buyer is suing or threatening to sue you on a credit card, cell phone debt or auto deficiency in Illinois
- Changing the default date used to compute the seven-year period a bad debt can remain on your credit report. (A collection agency or bad debt buyer is required to use the same date as the original creditor. Often, they use a newer date, which allows the entry to remain on your credit report longer.)
- Adding unauthorized collection charges
- Threatening to report a debtor to the Internal Revenue Service if payment is not forthcoming
- Threatening criminal prosecution (mainly on dishonored checks)
- Initial demand letters which insist on payment within less than 30 days or don’t clearly state the exact amount of the debt or suggest that the debt is increasing and that payment of some unspecified increased amount is required
- Sending large numbers of letters purporting to come from attorneys or collection agencies when that is not the case. (Form letters from out of state attorneys are suspect.)
- Demands for attorney’s fees prior to suit when contracts provide for fees only if suit is filed
- Attempting to collect payday and other high interest loans made by lenders not licensed in Illinois
Any type of inaccurate information on your credit report, whether resulting from identity theft, commingling of files, inaccurate reports by creditors, retention of obsolete information, etc. If TransUnion, Experian, Equifax, CSC, Credigy or Telecheck has refused to remove inaccurate information from your credit report, we may be able to help.
Our firm is looking for cases where a mortgage company forced placed insurance during the first year of a loan when the HUD-1 shows that insurance was purchased at the closing or that proof of insurance was presented at the closing.
Please contact us for a free case evaluation if any of the following is true in your situation:
- Your mortgage servicer has made mistakes with your escrow account such as failing to pay your taxes or demanding too much money from you
- You are paying a higher private mortgage insurance premium than initially quoted
- You have an adjustable rate mortgage (Rate adjustments are often erroneous. You are particularly likely to have adjustment errors if you were involved in a Chapter 13 bankruptcy or not current when an adjustment was required to be made.)
- Your loan was transferred from one company to another and the new company began allocating more of your payment to interest if it was received within the grace period but after the first payment
- Your mortgage company failed to post a payment the same day it was received, and imposed a late charge
- Your lender attempted to charge prepayment penalties or monthly late charges after they placed your loan in foreclosure (This is generally not permissible.)
- Your mortgage company did not respond to a complaint or a request for an explanation related to problems on your account. (This failure may entitle you to $1000.)
- You are paying excessive interest (10% or more) or high fees and points (3% or more) — (Although high interest is not illegal in and of itself, various special requirements apply, and often are not complied with.)
- You were charged recording fees in excess of the amounts disbursed to the Recorder, or overnight delivery fees of $50-60
- You were charged excessive amounts for title insurance obtained from an affiliate of the lender or broker
- You obtained a loan modification and the lender is refusing to honor it or making mistakes with your payment or credit reporting
Contact Edelman, Combs, Latturner & Goodwin, LLC, to request a free consultation if any of the following applies to you:
- An insurance premium was added to your balance because the bank claimed you didn’t have insurance
- You were charged for “VSI Insurance” or “Vendor’s Single Interest” insurance on your car loan
- You signed a motor vehicle retail installment contract with a wage assignment
- A car dealer decided to extend credit to fewer than all persons that applied for it, and failed to give a written notice of credit denial (This often occurs when a car dealer first requests a cosigner on a transaction and then decides to extend credit only to the consigner.)
- You signed one financial contract and then were asked to sign a second, different contract.
- Your auto lender included credit life or disability insurance in your contract
- The auto dealer cannot obtain financing on the original terms offered and refuses to return your down payment
Our attorneys handle cases in which a credit card issuer attempted to transfer an account to a relative upon death or bankruptcy of the debtor, without consent of that relative. We also handle many credit reporting problems involving credit cards.
Contact us if the following situations apply to you and your family:
- A medical provider arranged financing for your debt.
- You are being dunned for a balance allegedly remaining after an insurer or benefit plan paid the entire “reasonable and customary” charge (and the bill is for more than a deductible or co-payment amount)
- A medical bill that should have been paid by workers’ compensation is sent to collections or reported on your credit
The consumer protection attorneys of Edelman, Combs, Latturner & Goodwin, LLC, have experience helping tenants in large buildings who encountered the following illegal landlord-tenant situations:
- Interest not being paid or credited every year on security deposits. This is required by Illinois Statutes, Chicago Residential Landlord-Tenant Ordinances, and the City of Evanston Ordinances.
- Security deposits not returned promptly with interest
- Security deposits for properties placed in the same accounts as rent money.
- Chicago landlords failing to tell you which bank is holding your security deposit
Click Here for more information about tenant rights.
Debt Collection Issues
We represent clients who have experienced the following:
- Harassment by debt collector
- Bad debt buyer sued or threatened to sue in order to collect payment
Click here to see a list of alerts and debt collection companies
The consumer protection and class action lawyers of Edelman, Combs, Latturner & Goodwin, LLC, represent clients throughout Illinois, and in Federal Courts in Illinois, Wisconsin, Indiana, and Michigan, and will consider substantial cases in other jurisdictions.