Sec. 4. Enforcement.

176 words·~1 min read·/il/chapter-815/act-655/4

A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

(a)A consumer damaged by a violation of this Act by a merchant is entitled to recover from the merchant:

(1)actual damages;

(2)25% of an amount equal to the total amount of payments required to obtain ownership of the merchandise involved, except that the amount recovered under this item

(2)may not be less than $250 nor more than $1,000; and

(3)reasonable attorney's fees and court costs.

(b)A merchant is not liable under this Section for a violation of this Act caused by the merchant's error if before the 31st day after the date the merchant discovers the error, and before an action under this Section is filed or written notice of the error is received by the merchant from the consumer, the merchant gives the consumer written notice of the error and makes adjustments in the consumer's account as necessary to assure that the consumer will not be required to pay an amount in excess of the amount disclosed and that the agreement otherwise complies with this Act.