I am trying to find out if I can return a car through voluntary repo per the amount of the loan being 5x the car's value

Unless there was some kind of fraud involved -- such as if they wrote a price other than the agreed upon price, and somehow hid it from you, paying...

No, unless it was a joint account, you are not liable. In the past some creditors have attempted to collect from family members after a death. If...

Can an employer use attendance (or the use of sick days) in an annual evaluation of an employee?

You should talk to your union as the first attorney suggested, but generally, sick days are supposed to be used only when you are actually sick. ...

Can 2nd mort foreclose if I modify 1st and make payments on it but not on second.

You might want to complain to the Illinois Attorney General's office about the issue with the second mortgage. If your lender is covered by the...

Repurchase my non reaffirmed property

You may be able to get a loan modification which reduces principal, depending on the identity of the servicers and the owner of your loans. Some...

Can a bank sue me after 12 years if someone put a credit card in my name as a minor.

You need to file a financial identity theft police report, and send that and the required fraud affidavits to the creditors involved. The FTC and...

Do I have to return the car?

If they are unable to get financing on the terms promised, you may have to return the car. They are required to return any downpayment or trade-in...

CAn an online payday loan have your driver license suspended in the state of Illinois

No, a payday lender cannot have your driver's license suspended. Many online payday lenders do not have the proper license to conduct business in...

I am not sure exactly what you filed, but the Certificate of Publication was likely the notice they are required to publish before a sale. Once...

Is it illegal for an employer to perform a credit check on an applicant?

It depends on how much access to money and sensitive financial information you have in the position. Illinois did enact a law restricting...