Protecting the Rights of Consumers For Over 25 Years

Please contact us if attempts are being made to collect from you an old Heritage Acceptance or Pelican Auto Finance debt. Most appear to have been sold to debt buyers such as JRSI.

We can help you both defend the claims against you and assert your rights under the Fair Debt Collection Practices Act, Uniform Commercial Code, Truth in Lending Act, and other laws. Auto financing is subject to numerous legal requirements. Noncompliance is common.

If you are being sued, it is important that you do not default (fail to appear in court), and that you vacate any defaults that exist right away. Debt buyers and debt collectors count on your defaulting in order to win. Once they have a default judgment, they will try to garnish your wages and bank accounts. Make sure to call us for a free consultation as soon as possible before your court date, or if a default has already been entered, right away.

Our attorneys have a total of more than 100 years experience handling consumer lawsuits, including both lawsuits by consumers and lawsuits against consumers. One of them wrote the book on defending collection lawsuits. D. Edelman, Collection Litigation: Representing the Debtor (Illinois Institute for Continuing Legal Education 2008, 2011, 2014, 2019 editions), as well as the chapters in Illinois Institute for Continuing Legal Education publications on the Truth in Lending Act, Fair Debt Collection Practices Act, Telephone Consumer Protection Act, and mortgage-related claims.

We have defended consumers in Cook, DuPage, Kane, Will, McHenry, Kendall, Grundy, Lake, DeKalb, Kankakee, Carroll, Clinton, Winnebago, Bureau, LaSalle, Boone, McDonough, Rock Island, Knox and Whiteside Counties, Illinois.

We do not charge for evaluating cases. If we conclude that we can be of assistance to you, we charge modest fees for defending collection cases.