Illinois Statutes Chapter 815. Business Transactions § 604/15. Applicability

(1) with respect to any consumer contract entered into on or after the effective date of this Act; if the commercial party filing the action is a debt buyer, this Act applies irrespective of when the consumer contract was made or acquired by the debt buyer; and

(2) if the principal amount claimed does not exceed the maximum amount of a judgment allowable for a small claim under the Illinois Supreme Court Rules.

(1) the commercial party does not request attorney's fees in its complaint; or

(2) each party to the consumer contract was represented by counsel in the negotiation of the consumer contract.