The Secretary of State's police unit regulates car dealers in Illinois. I suggest that you complain to them first; they can often get problem...

Illinois does not presently limit the rate of interest that can be charged on a retail installment contract (what you have). There is a bill that...

I settled my debt with a debt buyer, do I still need to file an appearance?

What you need to do is check immediately after the hearing to make certain that the order you agreed to is entered. Filing the order creates...

Technically, the FDCPA says you can tell a collector to cease contact altogether, not just use one method. Proposed CFPB regulations give you the...

You probably have to institute an arbitration against them. Consult a consumer protection lawyer immediately. It should not cost you anything to...

It is possible that you signed a document stating that the dealer could cancel the deal if they could not sell the paper to a financial...

How can I be made whole again.?

See a consumer lawyer immediately, who will need all documents relating to the purchase, financing, service, repair and diagnosis of the cars. It...

Ask the lender to credit or repay the duplicative fee. Confirm the request in writing. If there is a duplicative fee and they don't credit or...

How do I determine if a debt collector is a scam?

I am familiar with these communications. You are being scammed. Provide no information or money. Hang up.

Your intuition is correct. You are dealing with a scammer. Provide no information or money. Hang up.