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Illinois
ILColumbia Ultimate

Dispute Columbia Ultimate in Illinois

Your Illinois rights against Columbia Ultimate: SOL is 5 years for credit card debt. Garnishment capped at 15% of gross wages.

5 years

Illinois credit card SOL

Illinois Collection Agency Act

State collection law

Common Columbia Ultimate Violations

Collecting on debts discharged in bankruptcy
Failing to update credit reports after dispute
Adding unauthorized interest charges

Illinois Dispute Tips vs Columbia Ultimate

If you filed bankruptcy, send them your discharge papers immediately
Columbia collects utility and telecom debts — check final statements
Demand they remove inaccurate entries from all three credit bureaus

Illinois Protections

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

Illinois Debt Laws

All protections in Illinois

Columbia Ultimate Overview

All violations & tips

Dispute Columbia Ultimate in Illinois — $9.99/mo