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Summary: Illinois makes it relatively easy to find and access your court records if you’re being sued by a debt collector. You can find your Illinois court case at the courthouse or online. Once you access your records online, visit SoloSuit to learn more about how to win a case against a debt collection agency.
Finding your case records in Illinois is relatively easy, thanks to the meticulous methods the state applies to ensure the documents are accessible to its citizens. Citizens can access their case information online via the Illinois portal search tool called re: SearchIL. Some counties, found in the list below, have individual portals to access court case records. You can also visit the courthouse where the case was filed.
Once debt collectors take you to court, you need to follow up on the case to ensure they do not submit inaccurate debt information or get a judgment in their favor without your knowledge. This article will help you understand the court structure in Illinois and how you can access your case records.
Knowing the Illinois judicial system will help you know which court will hear your case and where your case will be transferred if you disagree with the lower court's judgment and choose to appeal the case outcome. Since debt collection lawsuits are considered civil cases, we will focus on Illinois’ civil court structure in this section.
The Illinois judicial system consists of one Supreme Court, five Courts of Appeal, and twenty-three Circuit Courts. Each of these courts handle civil cases at different levels. Let's look at them in detail.
Supreme Court: Located in Springfield, this court is the highest in Illinois. It has original jurisdiction and hears appeals from the lower courts. The court also is the overall authority of the justice system and sets the rules for all courts.
Court of Appeals: These courts are divided into five districts and hear appeals from Circuit Courts in their jurisdiction. Each district covers several counties. The five appellate courts are in Chicago, Elgin, Ottawa, Springfield, and Mount Vernon.
Circuit Courts: In Illinois, the circuit court is considered the court of original jurisdiction. They hear small claims cases of up to $10,000 and regular civil cases with no monetary limit. There are 24 judicial circuits having jurisdiction over several countries, apart from six that have a single county circuit.
The graphic below further illustrates the Illinois court structure:
Your debt collection case will be heard in the Circuit Court, often in the small claims division, depending on the amount of money in question. The small claims division has simplified rules that help citizens settle monetary disputes without the lengthy legal process. Illinois allows you to represent yourself, but you have to pay filing fees.
You’re probably thinking you need to hire an attorney to represent you in your debt collection case. Finding a lawyer can be stressful and expensive. Save yourself the anxiety and money by representing yourself with SoloSuit’s help.
Check out this video to learn more about how to respond to a debt collection lawsuit in Illinois:
How to find your case number in Illinois
The court clerk assigns every debt lawsuit a case number. This helps to keep records organized and enables easy accessibility. The case number is created using the year the lawsuit was filed, the case type or court, and the sequential number of cases in that year.
For example, case number 2022-SC-000001 is the first small claims case filed in 2022.
To get your case number, make an official in-person request to the courthouse that will hear your case. Use this link to find your county’s court location. Some counties have an online portal (find the list below) where you can search using other details such as party name, filing date, and case type. The case details will appear together with the case number. If your county does not have a specific link, use re:SearchIL.
Credit card payment estimated at 24.99% APR over 60 months. Settlement estimate based on industry averages. Actual results vary.
How to access your court records in Illinois
Illinois allows citizens to access their case records once they know which courthouse their case was filed. The court clerk is in charge of these records and will grant you access in the following two ways:
Access your court case records in-person.
Access your court case records online.
Now, let’s take a closer look at each of these options.
1. Access your Illinois court case records in-person
If you choose to access your case documents in person, you have to visit the courthouse and make a written request to the court clerk. Give the clerk the following relevant information to make the process easier and faster:
Case number
Court the case was filed
Filing date
Parties names
Find your court location at the Illinois courts directory page. Scroll down the page until you see your county‘s name or court name. The address is next to it. Let's look at an example.
Example: Randy had a credit card debt of $3,700 with Midwest Credit and Collection (MCC). He received a lawsuit letter from them after he told their agent to stop calling him or he’d report them. Randy planned to ignore it, but his colleague advised him to respond to the lawsuit and follow up on his case if he didn't want to pay more than he owed. Since he didn’t know much about responding to a lawsuit, Randy used SoloSuit to help him customize his Answer and file it with the court on his behalf. After a week, he wanted to confirm if his Answer had been included in the court records. He searched for the Brown County courthouse address online and visited the courthouse. He got copies of his court records after filling in a request form and paying $3.
2. Access your Illinois court case records online
Illinois has a sophisticated tool called re: SearchIL to avail court documents to its citizens online. You need to register a free account to gain access to the portal. Once you sign up, you’ll be required to verify the account via your email, and immediately you'll be taken to a dashboard that requires you to fill in the following information to search your case:
Court location
Case category
Case type
Case filed date
Attorneys name (advanced search)
Some counties grant access to records specifically for their counties after submitting the required information. Here is the compiled list.
Even after your creditors file a lawsuit and you send your Answer, you do not have to go through the court process. SoloSuit can help you request creditors to settle out of court using our Motion to Compel Arbitration and SoloSettle. These documents are compelling, and most creditors accept an out-of-court settlement request. Start working on your document with us today.
Decide what to do next
An Affidavit is a written statement made under oath and submitted as a court document.
Next steps
An Affidavit alone doesn't require a response. However, Affidavits are usually served with another document like a Complaint and Summons. If you received a Complaint and Summons you must respond by filing an Answer.
If you received Interrogatories, that usually means you are in the second stage of a lawsuit: discovery. In discovery both parties can request information from each other.
Next steps
People respond to the Interrogatories with a written response. The response needs to be submitted by the deadline which is usually around 30 days.
A Memorandum is a court document that argues for or against a Motion. A Memorandum is usually filed with a Motion.
Next steps
The next document people file is a Memorandum Opposed to the Motion. For example, if the person suing you filed a Motion to Dismiss and a Memorandum in Favor of the Motion to Dismiss, you could file a Memorandum Opposed to the Motion to Dismiss.
At any point in a lawsuit, many people choose to settle to get to a quicker resolution.
A Motion is a court document that asks a judge to do something. Common motions include a Motion to Dismiss or a Motion for Summary Judgment. A Motion for Summary Judgment asks the judge to declare the filer the winner immediately.
Next steps
The next document people file is a Memorandum Opposed to the Motion.
At any point in a lawsuit, many people choose to settle to get to a quicker resolution.
If you received a Motion to Dismiss, then the person suing you is pretty much giving up and asking the judge to dismiss the lawsuit. Dismissing the lawsuit will remove it from court. A case can be dismissed with or without prejudice. If it's dismissed without prejudice, the person can sue you again for the same issue.
Next steps
If the person suing you is filing for dismissal, that's almost always a good thing. It usually means you won. 🎉
An Order is a written statement made by a judge in a lawsuit. Orders are usually approving or denying a Motion. For example, an Order for Default Judgment may be filed granting a Motion for Default Judgment. Don’t confuse a Proposed Order with an Order. Debt collectors will frequently file a Proposed Order for Default Judgment; it is only a proposal, not an actual order.
Next steps
Orders don't require a response.
At any point in a lawsuit, many people choose to settle to get to a quicker resolution.
If you received a Request for Admissions, that usually means you are in the second stage of a lawsuit: discovery. In discovery, both parties can request information from each other.
Next steps
The next document people file is a Response to the Request for Admissions. It usually needs to be filed within about 30 days. If you don't file a response, the court will usually consider the statements in the request to be true.
At any point in a lawsuit, many people choose to settle to get to a quicker resolution.
If the last document you received is a Writ of Garnishment, that means your wages are about to be garnished. You've already lost the lawsuit.
Next steps
If you never filed an Answer, there still may be hope. The next documents people file in this situation are a Motion to Set Aside Judgment and an Answer. The Motion to Set Aside Judgment asks the judge to give you a second chance because you never responded to the lawsuit, and the Answer responds to the lawsuit.
Solo makes it easy to resolve debt with debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.
No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.