Schumacher v. Merchants Credit Guide Company

IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION MICHAEL SCHUMACHER, ) ) Plaintiff, ) ) No. 19 C 7533 v. ) ) Judge John Z. Lee MERCHANTS’ CREDIT ) GUIDE COMPANY, ) ) Defendant. ) MEMORANDUM OPINION AND ORDER Plaintiff Michael Schumacher incurred a medical debt in 2013. That debt was later placed with Defendant Merchants’ Credit Guide Company (“Merchants”) for collection after going unpaid. About six years later, after the statute of limitations on the debt had (unbeknownst to him) expired under Illinois law, Schumacher visited Merchants’ website and…