Illinois HB 1289: DEBT RESOLUTION SERVICES ACT

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
HB1289

Introduced 1/28/2025, by Rep. Dagmara Avelar 

SYNOPSIS AS INTRODUCED:

New Act

30 ILCS 105/6z-26

20 ILCS 1205/6

205 ILCS 665/2 from Ch. 17, par. 5302

225 ILCS 429/Act rep.

815 ILCS 505/2JJJ

 Creates the Debt Resolution Services Act. Provides that no person shall provide or offer to provide debt resolution services without a debt resolution services license. Defines "debt resolution services" as a program or service represented, directly or by implication, to renegotiate, settle, or in any way alter the terms of payment or other terms of the debt between a consumer and one or more unsecured creditors. Sets forth requirements for a debt resolution services license. Sets forth the process for obtaining a debt resolution services license. Provides that specified persons are exempt under the Act. Provides the prerequisites and permitted practices for providing debt resolution services. Provides the requirements for a contract between a licensee and a consumer for debt resolution services. Provides that a consumer may terminate a contract to provide debt resolution services at any time without any penalty. Provides that a licensee may terminate a contract to provide debt resolution services if specified conditions are satisfied. Includes provisions concerning the powers of the Department of Financial and Professional Regulation; prohibited activities under the Act, including prohibitions against false or misleading advertising; annual reports filed by a licensee; fees for debt resolution services; information a licensee must provide to a consumer; records a licensee is required to keep; penalties for violating the Act; and transactions entered into before the effectiv