According to the complaint filed in U.S. District Court for the Southern District of Illinois, Al Sumowski opened a consumer credit card account with Discover Bank roughly 30 years ago and was the only authorized user on the account.
Sumowski claims that 10 years after her husband's death in 1990, Discover began sending billing statements directly to her demanding payment on the account.
"Mrs. Sumowski assumed that she was somehow liable for the Discover account and accordingly, she tried her best to make payments on it," the complaint states.
"When Mrs. Sumowski began having trouble paying some of her debts in 2006, due to increased family and household expenses, she was unable to make any further payments to Discover."
She claims that after missing payments, the Baker firm, on behalf of Discover, filed suit against her in Madison County on March 5, 2007, despite the fact that the debt is not owed by her.
Sumowski claims she was forced to hire an attorney and learned that she was not liable for the Discover account owed by her late husband.
According to Sumowski, the Baker firm attached a purported affidavit along with purported terms and conditions for the account that the firm claimed formed the basis of the original contract between Sumowski and Discover.
"That generic agreement, however, is incomplete, is dated several years after the alleged account at issue was opened, and thus, is not the agreement that governs the account at issue," the complaint states. "In fact, no evidence of any signed agreement between Mrs. Sumowski and Discover was attached to the State Court Lawsuit."
Sumowski also claims none of the billing statements that were offered as exhibits contained any new charges but only contained a demand for payment of a past due balance, late fees, penalties and credit protection services.
She claims the day her case was scheduled for trial, the Baker firm dismissed the suit.
According to Sumowski, the Baker firm violated the Fair Debt Collection Practices Act by:
Represented by David J. Philipps and Bonnie C. Dragotto of Palos Hills, Sumowski is seeking a judgment for actual and statutory damages, costs and reasonable attorneys' fees. The case has been assigned to District Judge Michael Reagan.