Debt Collection Rights Illinois

Summary

In Illinois, you have rights under the Fair Debt Collection Practices Act (FDCPA) to address debt collection issues. You can request validation of the debt in writing and dispute it if incorrect. Keep records of all communications. BMO Harriss Deposit Agreement does not override federal law, such as UCC § 3-418 and Regulation E § 1005.11, which cover unauthorized signatures and electronic fund transfer errors. Review any written communication from BMO Harris carefully and consider seeking legal advice if needed.

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BMO’s own Deposit Agreement does not override federal law (UCC § *-* / Reg E § *.*). Their “overnight posting” excuse does not apply to in-person cash payouts.
It sounds like you're in a complex situation with BMO Harris. Here are some steps you might consider:
- Review any written communication from BMO Harris carefully.
- Under UCC § *-*, unauthorized signatures or alterations can not obligate you.
- Regulation E § *.* covers electronic fund transfer errors.
Has BMO Harris provided any documentation or explanation regarding the debt?