Have you been harassed by calls or letters from a debt collector? Do the people who are contacting or suing you even have a legal right to collect the debt? Are you considering bankruptcy but not sure if it’s right for you? These kinds of hassles are the last thing you need to worry about but unfortunately, they’re a part of your life.
We help people figure out and get the best solution or strategy in eliminating debt, and finally, increase credit score and enjoy life.
The Chicago consumer law center helped with case involving Calvary collection agency. I was given clear and concise information on the process, fees and timeline. The result was better than expected. I highly recommend this firm.
— M R S.
Chicago Consumer Law Center got my $25,000 and $5,000 lawsuit dismissed.
A Collection Agency was suing me for $25,000 and $5,000. I was frightened by the letters. I was receiving phone calls and mail advertisements about a lawsuit I knew NOTHING about. I did not know where to turn. I saw a mail advertisement from Chicago Consumer Law Cent...
— Lou C.
The Chicago Consumer Law Center is a fantastic firm that handled and won my first case against a debt collection agency called Cavalry. Out of nowhere, a lawsuit was delivered to my house via police officer and I immediately felt very overwhelmed.
In the next few days, a few letters from different firms reached out to offer their services...
— Louis W.
Chicago Consumer Law Center is a great law firm. A job well done representing me against Cavalry Portfolio Services. LLC.
We understand where you’re coming from! Click on one of the items below to view answers to some possible questions you might have.
Yes, definitely. The debt collectors and creditors that file collection lawsuits count on people ignoring a case (about 90%) or trying to represent themselves (about 8%). The company suing will either automatically win convince a defendant to agree to a payment plan if they do show up. The 2% of people that hire an experienced attorney can either get the case dismissed or settled for a fraction of the amount.
With a Default Judgment a debt collector can freeze your bank accounts and take money out, garnish your wages, and put a lien on any property you have. In Illinois they can also charge 9% interest until the full amount is paid. Debt collectors count on a Default Judgment since 90% of people don’t show up in court and have a Default Judgment entered against them.
A Default Judgment could be entered against you. A Default Judgment means the case is over, the debt collector wins.
In Cook County, collection lawsuit trials are either in front of a judge (bench trial) or with a jury or your peers.
An Appearance is a document you file with the court to let it know you are going to participate in the lawsuit. You file the Appearance after you’ve been served with a lawsuit before the Appearance Date or Return Date deadline. You have an option of making a Jury Demand which we almost always recommend doing.
No. This is probably the most common misunderstanding about a lawsuit. The Appearance Date or Return Date is a deadline to file an Appearance and Jury Demand. It is not a court date and you don’t have to go to court.