• Consumer Protection Law and Advocacy — Chicago, IL

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New Mortgage Disclosures coming to help Americans

Spring Cleaning and Home Buying

Spring cleaning and home buying — it’s that time of year again.  The sun is shining longer, flowers are starting to bloom, and many of us are emerging from our winter hibernation wanting a fresh start.  It’s no coincidence that this is the busiest time of year for new home purchases and there are some…

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Practical Tips For Trading In Your Car

Trading in your car can be an issue if you don’t have great credit.  You need to be especially careful when trading in your car that still has an outstanding balance owed. Why?  Because auto dealers often “spot deliver” cars.  That means the dealer gives you the keys to a new (or new used) car…

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Debt Collection Abuse, Consumer Law Services at Bardo Law PC

Alternative Energy Suppliers

Alternative energy suppliers allow residential utility customers to pick the company that supplies their electricity or natural gas.  Find the current list of Illinois alternative suppliers at https://www.pluginillinois.org/suppliers.aspx.  These suppliers often offer big savings but the results have been decidedly mixed.  Suppliers promise lower prices for consumers because electricity or gas is purchased wholesale and then…

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

Debt Collection Update

A new debt collection update was published earlier this week.  Unfortunately, consumers continue to struggle to resolve their collection issues.  Here are some highlights from the CFPB’s January 2017 report: Approximately 1 in 3 consumers with a credit record report they have been contacted by at least one creditor or debt collector during the year…

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Be Wary of Year-End Collection Calls!

As 2016 winds down, debt collectors making collection calls tend to get more aggressive.  Companies are trying to close out their books and write off accounts as “bad debt.”  Calls start to increase this time of year and you should be prepared in case you get one.  So, what do you need to know before…

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