If sent by a debt collector on a consumer debt such a letter may violate the Fair Debt Collection Practices Act. See a consumer lawyer...

Exhibits have to be shared in advance if (1) you are entitled to discovery and a request is made, (2) a rule 237 request is made (although that...

It is necessary to examine the warranty documents, but if the dealer sold a warranty or service contract which will not be honored, that is a...

A seller impliedly warrants his/her title, i.e., that he owns what he is selling, regardless of whether anything was said, unless you buy at a...

The Electronic Funds Transfer Act requires a written authorization, but it is likely that the renewal documents contains one. Check, or have a...

Yes. Reporting a debt to credit bureaus, or charging it off, does not affect the creditor's right to collect from the debtor. If you are being...

Please state dates and mileage of each event. Illinois has 15 day 500 mile statutory warranty if car has 150k or less miles

Consult a consumer attorney with copies of all documents relating to this matter, including 3 credit reports, communications with the bureaus and...

The statute is five years on a credit card, ten years on a note, and four years on a retail installment contract for the sale of goods. Cannot...

The statute of limitations is five years, starting from the later of default or last payment. If you agree to pay $1,000, pay $200 and stop paying,...