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On the subject of reporting you to credit agencies. You cannot be reported to a credit agency until the retailer sues you and receives a judgment from the court. Just a note - regarding civil court. In small claims cases neither party is represented by an attorney. It's just you and the retailer...

In Illinois you can expect the Civil Demand to range from not less than $100.00 to not more than $1,000.00.

Many state laws mandate a not less than - not more than amount. Others mandate the formula retailers must use to come up with a Civil Demand. When Civil Demand programs fell under my area of responsibility I always charged the maximum.

Here's the section of law that pertains to New York Civil Demand: § 11-105. (b) "a penalty not to exceed the greater of five times the retail price of the merchandise or seventy-five dollars; provided, however, that in no event shall such penalty exceed five hundred dollars." All states...