No. 13 C 6397 09-11-2014 Alena W. Hammer Plaintiff, v. Residential Credit Solutions, Inc., Defendant. Judge Thomas M. Durkin MEMORANDUM OPINION AND ORDER Alena Hammer ("Hammer") brought this lawsuit against Residential Credit Solutions ("RCS") on September 6, 2013, alleging that RCS caused her damages resulting from breach of contract and violations of the Fair Debt Collection Practices Act ("FDCPA"), 15 U.S.C. § 1692; the Illinois Consumer Fraud Act ("ICFA"), 815 ILCS § 505/1; and the Real Estate
Opinion filed May 29, 1933. 1. LIMITATIONS OF ACTION — when admission is sufficient to revive debt. An unqualified admission that a debt is due and unpaid, accompanied by nothing said or done to rebut the presumption of a promise to pay it, is sufficient to revive the debt as against the statute of limitations. 2. LIMITATIONS OF ACTION — when new promise to pay is implied. If the debtor clearly admits the debt to be due and unpaid and uses language indicating an intention to pay it, a new promise