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Amends the Code of Civil Procedure. Changes disclosure in notice provisions to a judgment debtor in a citation to discover assets. Defines "consumer debt judgment". Creates an automatic exemption for a judgment debtor against execution in a consumer debt judgment. Provides that "automatic exemption" means the right of a judgment debtor, against whom a consumer debt judgment has been entered on or after January 1, 2020, to receive $1,000 of the judgment debtor's equity interest in personal property held in a checking, savings deposit account, or credit union account by a third-party citation respondent or garnishee. Provides that the automatic exemption is part of the judgment debtor's current exemption in any personal property not to exceed $4,000 in value. Makes other changes to personal property exemptions as follows: increases the exemption from $2,400 to $3,600 for a motor vehicle and from $1,500 to $2,250 in any implements, professional books, or tools of the debtor's trade. Increases the homestead exemption from $15,000 to $50,000 for one individual and to $100,000 if 2 or more individuals own the property. Makes changes to the list of items of personal property that are exempt from execution. Changes limitations for a revival of judgment for consumer debt entered before January 1, 2020, for a consumer debt judgment entered into after that date but before the effective date of the amendatory Act, and for a consumer debt judgment entered into after the effective date of the Act. Makes other changes. Amends the Clerks of Courts Act. Prohibits a fee from being charged under the Act for the filing of an appearance by a defendant in a small claim proceeding. Effective January 1, 2026.
Introduced
Apr 9, 2025
Last Action
Aug 1, 2025
Session
IL 104th
Sponsors
2 primary · 7 co
Public Act . . . . . . . . . 104-0120
Effective Date January 1, 2026
Governor Approved
Sent to the Governor
Third Reading - Short Debate - Passed 109-000-000
Passed Both Houses
Added Alternate Co-Sponsor Rep. Edgar González, Jr.
Added Alternate Co-Sponsor Rep. Robyn Gabel
Added Alternate Co-Sponsor Rep. Will Guzzardi
Added Alternate Chief Co-Sponsor Rep. Margaret Croke
Added Alternate Chief Co-Sponsor Rep. Maurice A. West, II
Added Alternate Chief Co-Sponsor Rep. Daniel Didech
Placed on Calendar Order of 3rd Reading - Short Debate
Second Reading - Short Debate
Placed on Calendar 2nd Reading - Short Debate
Do Pass / Short Debate Judiciary - Civil Committee; 019-000-000
Assigned to Judiciary - Civil Committee
Chief House Sponsor Rep. Jennifer Gong-Gershowitz
Referred to Rules Committee
First Reading
Placed on Calendar Order of 3rd Reading
Arrived in House
Third Reading - Passed; 056-000-000
Placed on Calendar Order of 3rd Reading **
Placed on Calendar Order of 3rd Reading March 19, 2025
Second Reading
Placed on Calendar Order of 2nd Reading March 18, 2025
Do Pass Judiciary; 008-000-000
Added as Chief Co-Sponsor Sen. Michael E. Hastings
Assigned to Judiciary
First Reading
Referred to Assignments
Filed with Secretary by Sen. Robert F. Martwick
Get a plain-English explanation of what this bill does, who it affects, and why it matters.
Public Act . . . . . . . . . 104-0120
Robert F. Martwick
Jennifer Gong-Gershowitz
Maurice A. West, II
Edgar González, Jr.
Michael E. Hastings
Daniel Didech