What can I do?

Are these Internet loans? If so they may not be enforceable at all in Illinois. Check with the Department of Financial and Professional...

If it is included in promissory note, that if not paying the salary will be garnished. What is the next step? in IL

A garnishment or "wage deduction" requires a judgment and court order. Illinois allows a "wage assignment" which the creditor can implement by...

Served papers without receiving paperwork of the reason?? No court paperwork?

You are being scammed. Do not pay. Do not provide information. Do file a complaint with your State Attorney General and the Consumer Financial...

Do not pay a debt you do not recognize. Write or email back stating you owe no such debt, you want proof it exists, and are not to be contacted...

Can a mortgage company or collection agency that acquired a discharged debt continue to try and collect?

Consult a consumer attorney and show the attorney the exact credit report(s). Bring the 3 credit reports from the major bureaus, not a merged...

Can a lawyer call you and say you are going to be served without any written notification?

Calls of this nature coupled with demands for payment are a common scam. Service requires a summons and complaint, generally delivered personally,...

Best friend was helping me with a little money for years and now asking all the money back?

The statute of limitations on an unwritten contract in Illinois is five years. The statute of frauds bars enforcement of unwritten agreements...

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Whatbhappens to my funds if my bank closes my acct because my old bank places me on chex systems?

You cannot be deprived of your money. Chexsystems is like a credit bureau, and its reports are treated as credit reports. You have the right to...

Can my license be revoked for a payday loan

No. The caller is scamming you. Unfortunately, calls of this nature are common. Do not assume that the person is even authorized to collect any...

Can an old bank I left with an overdrawn account take $$ from a new already opened bank account?

If it is another branch of the same bank, quite possibly yes. Banks have a right of "setoff" whereby they can apply the contents of asset accounts...