BMO Harris Bank N.A. v. District Recovery Inc.

2026 IL App (1st) 241028-U
CourtAppellate Court of Illinois
DecidedMarch 13, 2026
Docket1-24-1028
StatusUnpublished

This text of 2026 IL App (1st) 241028-U (BMO Harris Bank N.A. v. District Recovery Inc.) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
BMO Harris Bank N.A. v. District Recovery Inc., 2026 IL App (1st) 241028-U (Ill. Ct. App. 2026).

Opinion

2026 IL App (1st) 241028-U

FIFTH DIVISION March 13, 2026

No. 1-24-1028

NOTICE: This order was filed under Supreme Court Rule 23 and is not precedent except in the limited circumstances allowed under Rule 23(e)(1).

IN THE APPELLATE COURT OF ILLINOIS FIRST DISTRICT

BMO HARRIS BANK N. A., ) Appeal from the ) Circuit Court of Plaintiff and Counterdefendant-Appellee, ) Cook County ) v. ) No. 2019 L 050049 ) DISTRICT RECOVERY, INC., ) The Honorable ) Daniel P. Duffy and Defendant and Counterplaintiff-Appellant. ) Michael F. Otto ) Judges Presiding.

JUSTICE WILSON delivered the judgment of the court. Presiding Justice Mitchell and Justice Oden Johnson concurred in the judgment.

ORDER

¶1 Held: The circuit court is affirmed in part regarding the granting of summary judgment for storage fees for the 2018 Wabash trailer and reversed in part regarding storage fees for the 2017 Volvo tractor. Because District Recovery had a valid possessory lien for storage fees pursuant to the Small Amount Act for the 2017 Volvo tractor, it is entitled to a lien of $2,000 for storage fees for the tractor, but due to the faulty notice, the same cannot be said regarding the storage fees for the trailer.

¶2 This case is about towing and storage fees for a 2017 Volvo tractor and 2018 Wabash trailer

(tractor-trailer) that was relocated after trespassing in the parking lot of a Circle K truck stop in

Bridgeview, Illinois. Defendant and Counterplaintiff-Appellant, District Recovery, Inc. is a No. 1-24-1028

licensed Cook County vehicle relocator that had a contract with the Bridgeview Circle K to

relocate unauthorized vehicles from the Circle K’s property. Plaintiff and Counterdefendant-

Appellee, BMO Harris Bank N.A. (BMO) is a national banking association that provides financing

for commercial vehicles including the tractor-trailer at issue in this matter.

¶3 I. BACKGROUND

¶4 On October 17, 2018, the Bridgeview Circle K contacted District Recovery because a

tractor-trailer was trespassing in its parking lot. On the same day, District Recovery relocated the

tractor-trailer to its secured storage lot as provided by the signs posted in the parking lot warning

that unauthorized vehicles would be towed by District Recovery to its place of business in Justice,

Illinois. The signs stated that there was a $700 towing fee and $140 per day storage fee for each

relocated and stored heavy-duty unit.

¶5 The tractor-trailer consisted of a 2017 Volvo truck tractor (VIN 4V4NC9EH9HN980024)

and an attached 2018 Wabash 53-foot trailer (VIN 1JJV532D7JL046716). At the time of the

relocation, BMO Harris Bank (BMO) was the owner of the tractor and the first lienholder for the

trailer. Both the tractor and trailer were registered in the state of New Jersey.

¶6 After securing the tractor-trailer at its facility, District Recovery called the Illinois State

Police and requested information about the owner of the tractor-trailer. The State Police incorrectly

informed District Recovery that DLT Transport, LLC (DLT) was the tractor-trailer’s owner and

provided no lienholder information. District Recovery also discovered a binder in the cabin of the

tractor with various documents, including a New Jersey registration card listing BMO as the owner

of the tractor.

¶7 The record reflects that the New Jersey vehicle titles listed BMO as the “owner” of the

tractor and “first lienholder” of the trailer. BMO provided financing to non-party, DLT, for DLT’s

2 No. 1-24-1028

acquisition of the tractor-trailer. Although BMO was the tractor’s owner, DLT had possession of

the tractor pursuant to a finance lease. Under the relevant agreements, BMO was entitled to possess

the tractor-trailer upon any default of DLT, including any payment default or loss of possession or

control of the tractor-trailer. DLT defaulted under the agreements both for failure to make

payments and for losing control of the tractor-trailer.

¶8 On October 19, 2018, a representative from DLT—stating that he was the tractor-trailer’s

owner—called District Recovery employee Tracy Thompson and attempted to pay for the tractor-

trailer’s release. The attempt was unsuccessful because District Recovery’s credit card processing

machine was not working. Thompson told the DLT representative to call back the next day but he

never did.

¶9 District Recovery asserts that on October 27, 2018, it sent notice to BMO of its intent to

salvage the tractor-trailer. District Recovery also asserts it mailed another letter with the same

information around December 5, 2018. BMO disputes that the October 27, 2018, notice or the

December 5, 2018, notice were ever sent or received.

¶ 10 On or around November 28, 2018, BMO’s third-party recovery agent, ALS Resolvion,

LLC (ALS) called District Recovery and spoke to Thompson. Thompson confirmed to ALS that

District Recovery still had possession of the tractor-trailer, conveyed the towing and storage

charges, and explained the process to secure the vehicle’s release. BMO asserts that it affirmatively

demanded possession of the tractor-trailer on or about November 28, 2018. District Recovery

refused the demand and subsequent negotiations between the parties broke down. On February 19,

2019, District Recovery gave notice to BMO of its intention to sell the tractor-trailer at public sale.

¶ 11 After receiving notice of the impending sale, BMO filed suit seeking replevin of the tractor-

trailer and to enjoin the public sale. On February 27, 2019, the parties, through counsel, appeared

3 No. 1-24-1028

before the circuit court on BMO’s previously noticed motion seeking preliminary injunctive relief.

The trial court, over District Recovery’s objections, granted BMO’s request for possession of the

tractor-trailer to allow BMO to mitigate its damages against DLT. At the same time, the trial court

required BMO to post a $100,000 bond to protect District Recovery’s alleged interest in the tractor-

trailer and entitlement to towing and storage fees. BMO then posted the required bond and took

possession of the tractor-trailer.

¶ 12 After motion practice spanning several years, BMO filed a motion for summary judgment

that is the subject of this appeal. On April 29, 2024, the circuit court granted the motion for

summary judgment in favor of BMO. The order entered judgment in favor of BMO on both counts

I and II of the verified complaint, finding: (1) there is no genuine issue of material fact as to BMO’s

“superior right of possession” over the 2017 Volvo tractor and the 2018 Wabash trailer, and (2)

there is no genuine issue of material fact as to BMO’s entitlement to injunctive relief granting

BMO possession of the tractor-trailer “free of any lien for the storage fees asserted by [District

Recovery], for the reasons set forth in this court’s Order of June 24, 2021[.]” Additionally, after

construing certain of BMO’s filings as a “Motion to Confess Judgment pursuant to 735 ILCS 5/2-

1301(c)” the circuit court entered judgment on District Recovery’s amended counterclaim in favor

of District Recovery and against BMO in the amount of $700 for towing fees. District Recovery

timely appealed.

¶ 13 II. ANALYSIS

¶ 14 A. Standard of Review

¶ 15 In all respects our standard of review in this matter is de novo. We review a circuit court’s

summary judgment decision using the de novo standard of review. Direct Auto Ins. Co. v. Beltran,

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Bluebook (online)
2026 IL App (1st) 241028-U, Counsel Stack Legal Research, https://law.counselstack.com/opinion/bmo-harris-bank-na-v-district-recovery-inc-illappct-2026.