Vacating Old Judgments in Illinois
Blindsided by an old Illinois judgment? Learn how to vacate it with a 2-1401 petition—stop garnishments, unfreeze accounts, and protect your rights.
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Exempt Income in Bankruptcy
Properly reporting exempt income in bankruptcy—such as Social Security, disability benefits, or retirement distributions—is critical to avoiding costly mistakes. This guide explains how exempt income is treated under the Bankruptcy Code, the difference between Schedule I and the means test, and why these rules matter in both Chapter 7 and Chapter 13 cases. Learn how to protect your income, ensure compliance, and maximize your chances of receiving a discharge.
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The Single-Refiling Rule in Illinois Foreclosures
The single-refiling rule in Illinois foreclosure practice is notoriously complicated. One court may view a complaint as a “new” cause of action, while another may dismiss an almost identical complaint for violating the one-refile limit. Add to that the complexities of trusts as separate legal entities, privity questions, and the unusual structure of securitized mortgage
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Challenging Improper Service of Process in Illinois
Proper service of process is critical in any Illinois lawsuit, whether it involves debt collection, foreclosure, or judgment revival. If a defendant isn’t properly served, the court may have no jurisdiction to hear the case. This guide explains why service of process matters, how to challenge defective service with a motion to quash, and practical tips for defending yourself. Learn how Illinois law governs service on individuals, corporations, and LLCs, and discover what steps can help you successfully fight back against improper service.
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Employer’s Guide to Wage Garnishment
Learn how to respond to a Citation to Discover Assets to Debtor’s Employer. This guide explains your legal obligations, how to complete the required forms, and what to do if you’re served. Avoid penalties and protect your business with these actionable steps.
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The Overlooked Dangers of Wage Garnishments in Illinois
This guide explains how Illinois creditors use garnishments, citations, and turnover orders to recover judgments. Learn how the Illinois Wage Deduction Act affects your wages, why funds in your bank account may not stay protected, and steps you can take to safeguard your finances.
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Insider Tips for Getting a Loan Modification in Illinois
Struggling with your mortgage in Illinois? Loan modifications can make your payments more affordable and help you keep your home. This guide shares expert tips, common pitfalls, and strategies for success. Learn how to stay organized, avoid mistakes, and navigate servicer challenges with confidence. Don’t let setbacks derail your financial future—take control of the process today.
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What to Know About Illegal Loan Interest in Illinois
High-interest loans have caused major challenges for many in Illinois, particularly those with lower incomes. These loans often charge excessive or illegal interest rates, trapping borrowers in cycles of debt that are hard to escape. To address this, Illinois passed the Predatory Loan Prevention Act, effective March 23, 2021, capping consumer loan interest rates at 36% APR. This law applies to payday loans, car title loans, and other high-cost loans, offering critical protections against predatory lending practices. Learn how this law works, what to do if your loan violates the rules, and how we can help you take action.
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Losing Online Payment Options During Bankruptcy
Filing for bankruptcy can provide a fresh start and relief from overwhelming debt, but it also comes with unexpected challenges. Losing access to online payment portals and automatic payments can disrupt your daily routine, making it harder to manage bills and finances. Even those who share accounts with someone filing for bankruptcy may face similar issues. This article explores these common disruptions and provides practical tips to help you navigate them with confidence.
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Moving Your Illinois Foreclosure Case to Federal Court
Foreclosure can be a challenging process for Illinois homeowners, bringing both financial and emotional strain. Most people assume that foreclosure cases stay in state court, but in some situations, these cases can actually be moved to federal court. This article explores the potential reasons for transferring a foreclosure case to federal court, the advantages and drawbacks for homeowners, and the steps involved in the removal process. Understanding your options in federal court could make a difference in the outcome of your case.
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