Illinois Complaint and Summons for Balance Due on Credit Card Account

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US-03350BG
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Description

Filing a Complaint or Petition

Any complaint or petition for relief in a court must be filed within the statutory time limit (Statute of Limitations). These statutes vary from state to state. These statutes also vary depending on what your cause of action is. For example, in many states, the statute of limitations regarding a cause of action for breach of contract is three years, while the cause of action for an intentional tort, like slander, is one year.


A complaint is a general statement of the plaintiffs claim. The complaint must describe the actions that led to the claim of a violation (i.e., violation of rights). The claim can be for money damages. It could also be a claim for equitable remedies like specific performance (e.g., court forcing a party to abide by a contract) or an injunction (e.g., stopping a person from doing something). The complaint must establish jurisdiction of the court in which it is filed. For example, if the complain is filed in federal court, it must show diversity of citizenship or that a federal statutory or constitutional question is involved.


Service of Process

This generally involves attaching a copy of the complaint to a summons which is served on the defendant. The summons explains to the defendant what is going on and certain rights that that the defendant has. The summons explains:

o That the defendant is being sued;

o The name of the Court in which he is being sued;

o When he must file an answer; and

o The fact that a default judgment will be entered if no answer is filed.
The summons (or process) is delivered by an office of the court. In many state courts, this can be a deputy sheriff or a professional process server. Deputy Marshals or process servers are used in federal court. Constables are used in justice court of some states. In exceptional circumstances, when the defendant can not be found, service may be made by publication in a newspaper.


The summons must normally be served on the individual defendant. Some states allow service on a member of defendants household if the defendant is not available. A plaintiff must serve a corporate defendant by serving the registered agent or an appropriate officer of the corporation.

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FAQ

Illinois statute of limitations on ?unwritten debt,? which includes credit cards, is five years. Written debt ? a loan or contract to buy something ? is 10 years; secured debt, like an auto loan, is four years. The statute of limitations is the window for a creditor to take a debtor to court to force them to pay.

Yes. They can sue you, or threaten to sue you, in court. They can send you letters or call you. Within 5 days of the first time they contact you, debt collectors have to send you a written notice about the debt (see below).

If you can't pay credit card debt after several months, you may find your credit card canceled due to nonpayment, and the creditor may send your account to a collection agency. You may face additional fees and receive repeated phone calls and other attempts at contact by the collections agency.

?After the complaint has been filed, the defendant can either file an Answer, which admits or denies the allegations of the plaintiff and raises any affirmative defenses that would defeat the plaintiff claims; or, the defendant can file a Motion to Dismiss, which states that there is either a defect in the Complaint or ...

Key Takeaways You have 30 days to respond to a debt collection lawsuit with an Answer document in Illinois. You must file an Appearance form with your Answer document. ... SoloSuit can help you draft and file an Answer where you respond to each claim from the Complaint and assert your affirmative defenses.

Illinois statute of limitations on ?unwritten debt,? which includes credit cards, is five years. Written debt ? a loan or contract to buy something ? is 10 years; secured debt, like an auto loan, is four years. The statute of limitations is the window for a creditor to take a debtor to court to force them to pay.

A collector can contact you in person, by mail, telephone, telegram or email. However, a collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.

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Illinois Complaint and Summons for Balance Due on Credit Card Account