931 N.E.2d 362 (2006)
368 Ill. App.3d 1210
ASSET ACCEPTANCE, LLC
No. 1-05-1397.
ASSET ACCEPTANCE, LLC
v.
PSIHOGIOS.
No. 1-05-1397.
Appellate Court of Illinois, First District.
December 8, 2006.Rev'd & remanded.
Appellate Court of Illinois, First District.
December 8, 2006.Rev'd & remanded.