Credit Card Debt In Illinois

I am being taken to court for $2000.00 in debt that was made over 3 years ago. The credit card was closed 2 1/2 years ago. It has now been sold to another company and they are suing me. Can I request a "bill of particulars" to make them prove the debt?

You can certainly ask them to prove the debt, in fact they will have to in court. But 3 years is not even close to the time limit for collecting such a debt. In most states, that is 6 or 7 years from last contact, you are at less than three.

2010-01-12 08:00:19 by squirt

www.letsforgetdebt.com - An excellent informative site and service to help anyone with credit card debt. A step by step video talking about the ...

No. They can not touch any federal checks for unemployment or social security.

2009-04-10 21:48:39 by niambi07@sbcglobal.net

does anyone have any case law or a specific statute or is it under the ucc statutes

A credit card is considered an open ended account so in IL it is 5 years

2008-01-27 10:14:07 by bonzo

My husband died suddenly last month. We had several credit cards held jointly but one each that was not joint even though we both had credit cards for our use. Chase bank has told me that it depends on your state of residence if the surviving spouse is responsible and that I needed to contact an attorney. They also said there was no SOP---sometimes it was written off and other times it was given to 3rd parties who could demand payment in full immediately. They said if I wanted I could freely assume responsibilty and they would arrange payments. Now I am retired and disabled and am still putting our daughter through college. I've been left with a great deal of debt. My husband was only 64 as am I and we never had a problem paying our debts. His death was totally unexpected and since I receive a teacher's pension I will not get his social security because of the government offset. My attorney could not give me an answer since he never heard of Chases' policy. Thanks in advance

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good luck!

2006-08-25 14:39:23 by sunstar

I'm in Illinois, and have a creditor calling me to collect a balance of between 2500 and 3000. I literally have nothing to give them and they said that their client would have to look into options. What options would there be for this 'client', since I have literally nothing? I don't own anything except some books, clothes and a domain name. >>; I live with friends who provide a house and food. I'm on the illinois link card but that doesn't help a /whole/ lot. I'm looking for work currently.

I'm just afraid of possible jail time. And paranoid. >>; I don't know what any of the laws are relating to this issue.

You will not go to jail, don't worry. Jail is a place for criminals, not people who fall behind on their credit card payments. Alot of times the collection agencies will use "options" as a meaningless threat. My suggestion would be to work out a payment plan with them ($100 a week, $50 a week, $200 monthly, whatever you can afford) If it is a reasonable plan and you are making an honest effort to pay back the debt they will usually accept it. All they want in the long run is to get their money back. Many will threaten court, which usually never happens over a low cost debt such as yours. Even if it did go to court, the judge would more than likely throw it out if you are making agreed payments faithfully. Just make whatever you can as this debt will not go away by ignoring it. Trust me, the longer you leave it, the worse it gets. I know from experience. Good luck and don't let them intimidate you :)

2008-06-23 12:30:45 by Diana R