Legal Question in Credit and Debt Law in Illinois

The exact mechanics differ in different counties, but generally: You will need to appear in court to see if you can settle the matter with the creditor's attorney. If not, the court will set a date and time for trial. The creditor will need to prove that you owe the money. If you have any defenses, this is the time to present them. If the creditor wins, judgment will be entered, and the creditor will attempt to collect the money, either through garnishing bank accounts or wages, and sometimes through agreed payment plans.