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DebtShield

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IL Debt Laws

Illinois Debt Collection Laws

Know your rights in Illinois. The statute of limitations, garnishment rules, and exempt income can make or break your debt dispute.

5 years

Credit card SOL

10 years

Written contract SOL

15% of gross wages

Garnishment limit

Illinois Collection Law

Illinois Collection Agency Act

File complaints with: AG Consumer Protection

Income Protected from Garnishment in Illinois

Social Security
Unemployment
Workers' comp
Pension
Disability

Key Illinois Protections

Only 15% wage garnishment (lowest in nation)
Collectors must be licensed
10-year SOL on written contracts

Federal Laws (Apply in Illinois)

  • FDCPA (15 USC § 1692) — debt collector conduct rules
  • FCRA (15 USC § 1681) — credit reporting accuracy
  • FTC Act § 5 — unfair/deceptive practices
  • CFPB Reg F — debt collection communication rules
Generate Illinois Debt Dispute Letter

DebtShield auto-cites Illinois laws + FDCPA