Legal Question in Credit and Debt Law in Illinois

credit card debt

My spouse was served a summons for failure to make payments on credit card debt. Subsequent to filing a written appearance, he entered into a debt consolidation program. Is there any way to avoid a trial and a judgment? His failure to make timely payments was due to serious economic hardship (I am a recent graduate unable to find employment) and not his unwillingness to honor a debt. Thank you.


Asked on 1/06/04, 1:36 pm

1 Answer from Attorneys
Thomas Moens Moens Law Offices, Chartered

Re: credit card debt

Only with the agreement of the creditor. Creditors are not required to accept the terms offered by debt consolidation firms.

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Answered on 1/07/04, 9:21 am


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