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Illinois Law Re, Sol-credit Card Past 7 Yrs

Discussions relating to Personal Injury Law

Illinois Law Re, Sol-credit Card Past 7 Yrs

Postby Nosh » Fri Sep 12, 2014 8:45 am


Please tell me where or how I can find proof of SOL for repayment enforcement on credit card debt. I am being sued by collection agency for a DISCOVER credit card  that has been inactive without payment since 1999. I thought the SOL for Illinois was 5 years however. Today, I was told 1 that a collection agency can enforce payment for 10 years(clerk said I needed proof of the law before I could use it as a defense) Any advice on where or how I can find out which is correct(5 or 10 years).  I am currently unmployed and will have to represent myself.  Thank You.
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Joined: Sun Jan 05, 2014 5:55 pm

Illinois Law Re, Sol-credit Card Past 7 Yrs

Postby Clustfeinad » Tue Sep 16, 2014 3:11 pm

Hello Sandi, Thanks for writing to me on your Discover Card Issue.

I did some research for you and it looks like this is the breakdown:

Personal Injury: 2 years.

Fraud: Fraudulent concealment, 5 years. Fraud by a decedent, 2 years.

Libel / Slander / Defamation: 1 year Injury to Personal Property: 5 years.

Product Liability: 2 years from the date of injury. If the injury cannot is not discovered during the initial two year period, the action may be filed within eight years of the time the injury occurred.

Contracts: Written, 10 years; Oral, 5 years.

So, you have a written agreement that shows 10 years. I AM NOT AN ATTORNEY, but there are exceptions to this. I would not pay a dime without verifying this with local counsel.  

To me 10 years on a written contract is bullshit in Illinois. I am going to really research this.

I hope that this has assisted you in your quest for information, let me know if there is anything else that I can do for you, and please leave positive feedback on the site!

Have an awesome day!

Robert Paisola


Western Capital MyCollector.com


Robert Paisola is driven by a passion for people--motivating them to reach for the highest standards of success. As founder and president of many International Corporations including Western Capital and The Success Training Network, Robert trains sales and marketing professionals who want to strive to get to the top...and stay there.

His innovative, no-nonsense approach is based on applying what he has observed in his fifteen-plus years in sales, motivational speaking and debt collection training, thus revealing the common business habits of the top 20% of sales performers in all organizations.

While in Mexico, he uncovered a large time share "fractional sales" scam at the Playa Del Sol Grand Hotel.  His report is located athttp://www.mycollector.com/news_playadelsolscam

Robert's approach works...that's why New York-based Success Magazine has rated Robert Paisola as one of the top-five most effective sales-training professional in the market today.

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