Question: We are letting our atv go to repo, we are wondering if they can come back on us for what is owed?    The atv was purchased with a credit card through the company that makes it. We have never had a late payment and we called to volunteer the atv back to the that… Read More


Question:  I  am  unable to pay a $780 bill. I received notice they have issued a warrant for me and I am terrified. They told me that if they receive only part of the money owed they will still put me in jail until the rest is paid off.  Can they do this? Answer:  … Read More


Question:  I have several student loans with the same company, all are fixed rate. These loans have been purchased by someone else. I assumed the interest rates and payments would remain the same, but now the payments are significantly higher. So, far a representative from the new company cannot answer why. Answer:   Assignment of a loan… Read More


Question: Husband passed away last year, leaving no assets.  I am very angry for the way he left his family with the bills and don’t  want to pay  for his stubbornness. There are three bills that I am being constantly bugged for, ambulance, hospital and treatment. Answer:    If you were living with your husband… Read More


Question: Can I be listed as a defendant in a civil complaint if I never did business with the company that filed the complaint?    I was recently served a civil complaint by a gas company I have never done business with. I am listed as a defendant along with my roommate. My roommate has done… Read More


Question: If my wife and I have separate credit cards and either of us should die, would we be responsible to pay off remaining debt? Answer:    Probably not.   Illinois has a Family Expense statute, under which one spouse is liable for necessary expenses of the family.  It is unclear if this applies to a… Read More


Question: Can my old van be taken if I can’t pay an unsecured credit card debt? Answer:  There is an exemption of $2400 for a motor vehicle (735 ILCS 5/12-1001).… Read More


Question: Is it true that I don’t have to pay my mother’s unpaid medical debt since all her assets are in a family trust? Answer:  You have no liability to pay a parent’s medical bills, regardless of what was done with her assets, unless you sign a writing undertaking to pay them.  Whether the trust… Read More


Question: If I owe a loan, and have not paid it, can a warrant be issued for my arrest? Answer:   No.  The only time a warrant can be issued in connection with a civil case is if a court orders you to appear, after judgment, and answer questions about your income and assets, and you… Read More


Question: My spouse had a collection agency sue her for a bad debt. I was not named in the suit and had no legal ties to the debt. The agency attempted to gain information about my employment, income, debts, etc. so they could use my information for garnishment purposes.  Can I do anything? Answer:  Depending… Read More