If you have been sued for a debt, you need to go to your court hearing. This can feel stressful, but knowing what to expect can help you feel ready.

What is court?  

Court is a place where a judge makes legal decisions. Sometimes there is a trial. Sometimes people just explain their side and the judge decides.

When is my court date? 

Your hearing date is listed on your Summons.

👉 Learn where to find this information on the Summons. 

Hearing dates may change, so make sure you pay attention to any paperwork you receive about your case. 

If you are not sure when your hearing is, call or text Illinois Court Help at (833) 411-1121.

Who will be there

In court, you may see:

• The judge,
• The clerk,
• A lawyer for the other side,
• The other person in your case, and
• Other people waiting for their cases.

There may also be a sheriff or other security staff.

What to bring

Bring all the papers for your case. This could include:

• Letters,
• Forms you filed,
• Any proof you want the judge to see, and
• Notes about what you want to say.

Keep them in a folder so you can find them easily.

What to wear

You do not have to wear fancy clothes. But wear something neat and clean, like something you would wear to church or a family member's school.

What to do when you get there

Get to the courthouse early. You may need to go through security.

Once inside:

• Find your courtroom,
• Tell the clerk or sheriff you are there,
• Wait until your name is called.

Be quiet while you wait. The judge may be hearing other cases.

What happens when your case is called

When your case is called:

• Go to the front of the courtroom,
• Stand when you speak to the judge,
• Call the judge “Your Honor,” and
• Answer questions clearly and honestly.

If you do not understand something, it is okay to say so.

The judge may ask you to talk with the other side about settling your case. You don’t have to settle, but it can be a chance to see if they are willing to work out a deal.

What happens if you don't settle the case

If you don’t reach an agreement, the judge may ask whether you owe the money or agree with what’s in the complaint. 

Always answer truthfully, but don’t guess.

👉 For example, if the debt buyer hasn’t shown proof that they own your specific account (not just a bundle of accounts), you may not have enough information to say you owe them money. 

It’s okay to tell the judge: “I don’t have enough information to know.”