• Consumer Protection Law and Advocacy — Chicago, IL

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Chicago Waiving Certain Penalties, Interest, and Collection Costs

Effective Sunday, November 15, 2015, the City of Chicago is offering a form of debt relief.  On certain fines and tickets, the City will waive penalties, interest, and collection costs from now until December 31, 2015.  This reduces the total amount due to the original fine or tax amount.  For information about whether your debt…

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Homeowner Rights & Tenants Rights - Bardo Law PC

Wells Fargo Bank, N.A. Settles With DOJ

The Department of Justice’s U.S. Trustee Program reached a national settlement with Wells Fargo over mortgage servicing complaints.  Announced yesterday, Wells Fargo will pay $81.6 million for its repeated failure to provide homeowners in bankruptcy with required payment change notices.  Even though Bankruptcy Rules require mortgage creditors to file and serve a notice before adjusting…

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What if I get a Citation to Discover Assets?

Consumer Law Q&A: What happens after judgment?

If you were sued on a consumer debt and a judgment is entered against you, Illinois law still provides you with rights to make sure that judgment is being collected fairly. One method a judgment creditor will use to try and collect from you is called a “Citation to Discover Assets.” If you are served…

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FTC Announces Fair Credit Settlement

The Fair Credit Reporting Act requires companies to inform consumers if they are being offered less favorable credit terms than those offered to consumers with higher credit ratings.  The Federal Trade Commission announced yesterday that Sprint will pay $2.95 million in civil penalties to settle charges it did not give proper notice to lower credit score consumers…

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Wrongful debt? Bardo Law can help you deal with credit fraud, wrongful debt and defense.

How to Fight Wrongful Debt Collection

Debt collection comes in many forms – phone calls, letters, text messages, lawsuits, and lines on your consumer credit report.  Not surprisingly, with today’s mobile society, you may even receive calls or texts intended for someone else and be facing a wrongful debt. Here are some simple steps to follow If you are being wrongly…

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