Commercial collection in Illinois: rates, licensing and limits
What businesses in Illinois pay to place unpaid invoices, what the state requires of collection agencies, whether its rules reach original creditors, and why the federal statute does not cover business debt - verified sources, per-town guides.
Two free marketplace paths: one request brings back multiple vetted commercial collection agencies who know they are competing for the placement.
Commercial collection across Illinois is quoted as 10-40% of what is actually recovered, with the rate driven far more by account age than by balance size - fresh accounts commonly 10-25% and year-old accounts 25-40%.
Illinois requires collection agencies to hold a license+bond, which means a business here can verify an agency against a public record before handing over a customer ledger.
Commercial accounts are reported around 68.9% collectable at three months past due and around 51.3% at six months, so in Illinois the cost of waiting shows up twice: lower odds of recovery and a higher commission to chase it.
A collection agency is not a debt buyer. It works your account on contingency, keeps a percentage of what it recovers, and returns what it cannot collect - so the incentive is aligned but the arithmetic is unforgiving: on a year-old Illinois account at the top of the band, four dollars in ten never reach you.
Get competing collection agency quotes - free, and the ladder is negotiable
Two free marketplace paths: one request brings back multiple vetted commercial collection agencies who know they are competing for the placement. Competing quotes on the same ledger are the only reliable way to see what your accounts actually price at.
External links go to the marketplaces' own sites and forms. This site may earn a referral fee at no cost to you - it never changes the data above, and no individual agency pays to appear in our research.
What Illinois requires
| Question | Illinois answer |
|---|---|
| Licence or registration required | Yes - license+bond (Illinois Department of Financial and Professional Regulation (IDFPR), Division of Financial Institutions) |
| Surety bond | $25,000 |
| Public licence lookup | https://online-dfpr.micropact.com/lookup/licenselookup.aspx |
| Do state rules also bind original creditors? | No - the statute targets third-party agencies |
| Does state law reach business-to-business debt? | Yes - commercial accounts are covered, not just consumer debt |
| Notable state rules | MAJOR 2026 CHANGE: Senate Bill 2457, effective January 1, 2026, narrowed the ICAA by removing 'on behalf of himself or herself' from the definition of collection agency and adding express first-party exemptions |
Illinois is one of the few states where the collection agency license expressly reaches COMMERCIAL debt - IDFPR's position is that a purely business-to-business collector still needs the state license - and as of January 1, 2026 SB 2457 finally exempted true first-party creditors collecting their own accounts (unless they use a fictitious name).
This page is independent research, not legal advice. Collection licensing, statutes of limitation and the reach of state collection statutes vary by state and change - verify current requirements with the relevant state regulator and have significant matters reviewed by your own counsel before acting.
What commercial collection costs in 2026
| Account age when placed | Typical contingency rate | Why the rate moves |
|---|---|---|
| Under 90 days past due | 10-25% | Debtor still trading with you, records fresh, contact details current |
| 90-180 days | 15-30% | Recovery odds falling; other creditors are now in the queue too |
| 180 days to one year | 20-35% | Reported collectability around 51.3% at six months and falling |
| Over one year | 25-40% | Most expensive to chase and least likely to land - the worst of both |
| Fixed-fee early-stage demands | $15-$20 per account | Suits many small balances where a percentage is worth less than the admin |
| Forwarded to an attorney | Suit fee ON TOP of the commission | Commonly placed above a $2,500 balance - ask for the all-in cost |
What you can actually be liable for - the honest version
| The claim you will read online | What the sources actually support |
|---|---|
| 'Hire the wrong agency and you'll be sued under the FDCPA' | Not supportable as a general rule - courts commonly require the principal to independently qualify under the statute, and the FDCPA does not reach B2B debt at all |
| 'You're responsible for how your agency calls people' | This one has real support, through agency law: federal telecom regulators have stated a seller may be held vicariously liable under common-law agency principles for calls made on its behalf |
| 'State law only applies to agencies, not to you' | False in 23 states, whose collection statutes reach original creditors as well |
| 'Using an unlicensed agency voids the debt' | No nationwide rule says that. Washington does bar an unlicensed agency from bringing or maintaining a collection action in its courts - a real consequence, but a state-specific one |
This site would rather be useful than dramatic. The practical risk controls for an Illinois creditor are narrow and cheap: verify the agency's licence in the state where your debtor sits, ask in writing how they contact debtors, and keep your own collection efforts inside your state's rules if it regulates original creditors.
Why only these two paths
The cheapest commission is worthless if the agency is not licensed where your debtor lives. At least one state bars an unlicensed agency from bringing or maintaining a collection action in its courts - a licensing gap can turn a collectable account into an unenforceable one.
Hard bar, verifiable by anyone: free to the buyer, and structurally multi-vendor - one request produces several competing quotes, which is the check against over-quoting that no single sales relationship provides. Marketplaces that charge buyers or route to a single seller are not listed. We rank no individual agency and publish no directory: licensing status changes constantly and a stale listing would be worse than none - what this site publishes instead is the state-by-state rule and the registry where you can check for yourself.
| Path | What it is | Why it made the bar | What reviewers say |
|---|---|---|---|
| BuyerZone | B2B quote marketplace whose collection-agency form separates business debt from consumer debt at the first question | One form, multiple vetted agencies respond with competing quotes - free to buyers | Trustpilot 1.4/5 (278 reviews); BBB: not rated (checked Aug 2026) |
| 360Connect | B2B quote marketplace with a collection-agency category under financial and billing services | Matches several suppliers per request, free to buyers | Trustpilot: no reviews yet; BBB B- (checked Aug 2026) |
BuyerZone and 360Connect are matching services. Scores reflect the matching service itself, not the local providers you are matched with.
Get competing collection agency quotes - free, and the ladder is negotiable
Two free marketplace paths: one request brings back multiple vetted commercial collection agencies who know they are competing for the placement. Competing quotes on the same ledger are the only reliable way to see what your accounts actually price at.
External links go to the marketplaces' own sites and forms. This site may earn a referral fee at no cost to you - it never changes the data above, and no individual agency pays to appear in our research.
Common questions
When is suing worth it?
Commercial legal placement commonly starts around a $2,500 balance - below that the cost stack usually consumes the recovery. Litigation also changes the economics: an attorney suit fee sits on top of the agency's contingency, and court costs are separate. Ask for the all-in cost at your typical balance before agreeing to litigation as an escalation.
How long do I have to collect an unpaid invoice?
Statutes of limitation are state law and commonly run 3-6 years for commercial obligations, varying by whether the debt rests on a written contract, an open account or an oral agreement. In many states a partial payment or written acknowledgement can restart the clock - which is worth knowing before agreeing to a payment plan on a very old balance.
What happens if I use an unlicensed agency?
In some states, more than you would expect. Washington's statute bars an unlicensed agency from bringing or maintaining a collection action in that state's courts - so a licensing gap can make an otherwise collectable account unenforceable there. There is no nationwide rule making debts void, and this site does not claim one; check your state's page and verify licensing before placing.
How long should I wait before sending an invoice to collections?
Sooner than most businesses do. Commercial accounts are commonly reported as around 68.9% collectable at three months past due and around 51.3% at six months, with recovery falling sharply after a year - and the commission rises over the same period. Waiting costs twice. A written escalation ladder with a fixed placement date recovers more than case-by-case judgement.
Can I be held responsible for what a collection agency does?
Potentially, but through agency law rather than the FDCPA. Federal telecom regulators have said a seller may be held vicariously liable under common-law agency principles for calls placed on its behalf, and 23 states extend their own collection statutes to original creditors as well as third-party agencies. The practical answer is to ask how an agency contacts debtors and to verify its licensing before placing accounts.
Do collection agencies need a licence?
It depends on the state - 31 jurisdictions require a licence or registration, Texas requires only a $10,000 bond filed with the Secretary of State, and the rest require neither. The rule that surprises creditors is that several states look at where the debtor is located, so a multi-state ledger can require an agency licensed in states you never thought about.
Get competing collection agency quotes - free, and the ladder is negotiable
Two free marketplace paths: one request brings back multiple vetted commercial collection agencies who know they are competing for the placement. Competing quotes on the same ledger are the only reliable way to see what your accounts actually price at.
External links go to the marketplaces' own sites and forms. This site may earn a referral fee at no cost to you - it never changes the data above, and no individual agency pays to appear in our research.
Prices by city
Abingdon · Addieville · Addison · Adeline · Albany · Albers · Albion · Aledo · Alexis · Algonquin · Alhambra · Allendale · Allenville · Allerton · Alma · Alpha · Alsey · Alsip · Altamont · Alto Pass · Alton · Altona · Alvan (Alvin) · Amboy · Anchor · Andalusia · Andover · Anna · Annawan · Antioch · Apple River · Arcola · Arenzville · Argenta · Arlington · Arlington Heights · Armington · Aroma Park · Arrowsmith · Arthur · Ashkum · Ashland · Ashley · Ashmore · Ashton · Assumption · Astoria · Athens · Atkinson · Atlanta · Atwood · Auburn · Augusta · Aurora · Ava · Aviston · Avon · Baldwin · Banner · Bannockburn · Bardolph · Barrington · Barrington Hills · Barry · Bartelso · Bartlett · Bartonville · Basco · Batavia · Batchtown · Bath · Bay View Gardens · Baylis · Beach Park · Beardstown · Beaverville · Beckemeyer · Bedford Park · Beecher · Beecher City · Belgium · Belknap · Belle Prairie City · Belle Rive · Belleville · Bellevue · Bellflower · Bellmont · Bellwood · Belvidere · Bement · Benld · Bensenville · Benson · Bentley · Benton · Berkeley · Berlin · Berwyn · Bethalto · Bethany · Big Rock · Biggsville · Bingham · Bishop Hill · Bismarck · Blandinsville · Bloomingdale · Bloomington · Blue Island · Blue Mound · Bluffs · Bluford · Bolingbrook · Bondville · Bone Gap · Bonfield · Bonnie · Bourbonnais · Bowen · Braceville · Bradford · Bradley · Braidwood · Breese · Bridgeport · Bridgeview · Brighton · Brimfield · Broadlands · Broadview · Broadwell · Brocton · Brookfield · Brooklyn · Brookport · Broughton · Browning · Browns · Brownstown · Brussels · Bryant · Buckingham · Buckley · Buckner · Buda · Buffalo · Buffalo Grove · Bull Valley · Bulpitt · Buncombe · Bunker Hill · Burbank · Bureau Junction · Burlington · Burnham · Burnt Prairie · Burr Ridge · Bush · Bushnell · Butler · Byron · Cabery · Cahokia Heights · Cairo · Caledonia · Calhoun · Calumet City · Calumet Park · Camargo · Cambria · Cambridge · Camden · Camp Point · Campbell Hill · Campton Hills · Campus · Canton · Cantrall · Capron · Carbon Cliff · Carbon Hill · Carbondale · Carlinville · Carlock · Carlyle · Carmi · Carol Stream · Carpentersville · Carrier Mills · Carrollton · Carterville · Carthage · Cary · Casey · Caseyville · Catlin · Cave-In-Rock · Cedar Point · Cedarville · Central City · Centralia · Cerro Gordo · Chadwick · Champaign · Chandlerville · Channahon · Chapin · Charleston · Chatham · Chatsworth · Chebanse · Chenoa · Cherry · Cherry Valley · Chester · Chesterfield · Chicago · Chicago Heights · Chicago Ridge · Chillicothe · Chrisman · Christopher · Cicero · Cisco · Cisne · Cissna Park · Claremont · Clarendon Hills · Clay City · Clayton · Cleveland · Clifton · Clinton · Coal City · Coal Valley · Coalton · Coatsburg · Cobden · Coffeen · Colchester · Coleta · Colfax · Collinsville · Colona · Colp · Columbia · Columbus · Compton · Concord · Congerville · Cooksville · Cordova · Cornell · Cortland · Coulterville · Country Club Hills · Countryside · Cowden · Crainville · Creal Springs · Crescent City · Crest Hill · Creston · Crestwood · Crete · Creve Coeur · Crossville · Crystal Lake · Cuba · Cullom · Curran · Cutler · Cypress · Dahlgren · Dakota · Dallas City · Dalton City · Dalzell · Damiansville · Dana · Danforth · Danvers · Danville · Darien · Davis · Davis Junction · Dawson · De Land · De Pue · De Soto · De Witt · DeKalb · Decatur · Deer Creek · Deer Grove · Deer Park · Deerfield · Delavan · Des Plaines · Detroit · Diamond · Dieterich · Divernon · Dix · Dixmoor · Dixon · Dolton · Dongola · Donnellson · Donovan · Dorchester · Dover · Dowell · Downers Grove · Downs · Du Bois · Du Quoin · Dunfermline · Dunlap · Dupo · Durand · Dwight · Eagarville · Earlville · East Alton · East Brooklyn · East Cape Girardeau · East Carondelet · East Dubuque · East Dundee · East Galesburg · East Gillespie · East Hazel Crest · East Moline · East Peoria · East St. Louis · Easton · Eddyville · Edgewood · Edinburg · Edwardsville · Effingham · El Dara · El Paso · Elburn · Eldorado · Eldred · Elgin · Elizabeth · Elizabethtown · Elk Grove Village · Elkhart · Elkville · Elliott · Ellis Grove · Ellisville · Ellsworth · Elmhurst · Elmwood · Elmwood Park · Elsah · Elvaston · Elwood · Emden · Emington · Energy · Enfield · Equality · Erie · Essex · Eureka · Evanston · Evansville · Evergreen Park · Ewing · Exeter · Fairbury · Fairfield · Fairmont City · Fairmount · Fairview · Fairview Heights · Farina · Farmer City · Farmersville · Farmington · Fayetteville · Ferris · Fidelity · Fieldon · Fillmore · Findlay · Fisher · Fithian · Flanagan · Flat Rock · Flora · Florence · Flossmoor · Foosland · Ford Heights · Forest City · Forest Park · Forest View · Forrest · Forreston · Forsyth · Fox Lake · Fox River Grove · Frankfort · Franklin · Franklin Grove · Franklin Park · Freeburg · Freeman Spur · Freeport · Fulton · Fults · Galatia · Galena · Galesburg · Galva · Gardner · Garrett · Gays · Geneseo · Geneva · Genoa · Georgetown · German Valley · Germantown · Germantown Hills · Gibson City · Gifford · Gilberts · Gillespie · Gilman · Girard · Gladstone · Glasford · Glasgow · Glen Carbon · Glen Ellyn · Glencoe · Glendale Heights · Glenview · Glenwood · Godfrey · Godley · Golconda · Golden · Golden Gate · Golf · Good Hope · Goodfield · Goreville · Gorham · Grafton · Grand Ridge · Grand Tower · Grandview · Granite City · Grant Park · Grantfork · Granville · Grayslake · Grayville · Green Oaks · Green Valley · Greenfield · Greenup · Greenview · Greenville · Greenwood · Gridley · Griggsville · Gulfport · Gurnee · Hainesville · Hamburg · Hamel · Hamilton · Hammond · Hampshire · Hampton · Hanaford · Hanna City · Hanover · Hanover Park · Hardin · Harmon · Harrisburg · Harristown · Hartford · Hartsburg · Harvard · Harvel · Harvey · Harwood Heights · Havana · Hawthorn Woods · Hazel Crest · Hebron · Hecker · Henderson · Hennepin · Henning · Henry · Herrick · Herrin · Herscher · Hettick · Heyworth · Hickory Hills · Hidalgo · Highland · Highland Park · Highwood · Hillcrest · Hillsboro · Hillsdale · Hillside · Hillview · Hinckley · Hindsboro · Hinsdale · Hodgkins · Hoffman · Hoffman Estates · Holiday Hills · Hollowayville · Homer · Homer Glen · Hometown · Homewood · Hoopeston · Hooppole · Hopedale · Hopewell · Hopkins Park · Hoyleton · Hudson · Huey · Hull · Humboldt · Hume · Huntley · Hurst · Hutsonville · Illiopolis · Ina · Indian Creek · Indian Head Park · Indianola · Industry · Inverness · Iola · Ipava · Iroquois · Irving · Irvington · Irwin · Island Lake · Itasca · Iuka · Ivesdale · Jacksonville · Jeffersonville · Jeisyville · Jerome · Jerseyville · Jewett · Johnsburg · Johnsonville · Johnston City · Joliet · Jonesboro · Joppa · Joy · Junction · Junction City · Justice · Kampsville · Kane · Kaneville · Kangley · Kankakee · Kansas · Kappa · Karnak · Kaskaskia · Keenes · Keensburg · Keithsburg · Kell · Kempton · Kenilworth · Kenney · Kewanee · Keyesport · Kilbourne · Kildeer · Kincaid · Kinderhook · Kingston · Kingston Mines · Kinmundy · Kinsman · Kirkland · Kirkwood · Knoxville · La Fayette · La Grange · La Grange Park · La Harpe · La Moille · La Prairie · La Rose · LaSalle · Lacon · Ladd · Lake Barrington · Lake Bluff · Lake Forest · Lake Ka-Ho · Lake Villa · Lake Zurich · Lake in the Hills · Lakemoor · Lakewood · Lanark · Lansing · Latham · Lawrenceville · Le Roy · Leaf River · Lebanon · Lee · Leland · Leland Grove · Lemont · Lena · Lenzburg · Leonore · Lerna · Lewistown · Lexington · Liberty · Libertyville · Lily Lake · Lima · Limestone · Lincoln · Lincolnshire · Lincolnwood · Lindenhurst · Lisbon · Lisle · Litchfield · Little York · Littleton · Liverpool · Livingston · Loami · Lockport · Loda · Lomax · Lombard · London Mills · Long Creek · Long Grove · Long Point · Longview · Loraine · Lostant · Louisville · Loves Park · Lovington · Ludlow · Lyndon · Lynnville · Lynwood · Lyons · Macedonia · Machesney Park · Mackinaw · Macomb · Macon · Madison · Maeystown · Magnolia · Mahomet · Makanda · Malden · Malta · Manchester · Manhattan · Manito · Manlius · Mansfield · Manteno · Maple Park · Mapleton · Maquon · Marengo · Marietta · Marine · Marion · Marissa · Mark · Markham · Maroa · Marquette Heights · Marseilles · Marshall · Martinsville · Martinton · Maryville · Mascoutah · Mason · Mason City · Matherville · Matteson · Mattoon · Maunie · Maywood · Mazon · McClure · McCook · McCullom Lake · McHenry · McLean · McLeansboro · McNabb · Mechanicsburg · Media · Medora · Melrose Park · Melvin · Mendon · Mendota · Menominee · Meredosia · Merrionette Park · Metamora · Metcalf · Metropolis · Mettawa · Middletown · Midlothian · Milan · Milford · Mill Creek · Mill Shoals · Millbrook · Milledgeville · Millington · Millstadt · Milton · Mineral · Minier · Minonk · Minooka · Modesto · Mokena · Moline · Momence · Monee · Monmouth · Monroe Center · Montgomery · Monticello · Montrose · Morris · Morrison · Morrisonville · Morton · Morton Grove · Mound City · Mound Station · Mounds · Mount Auburn · Mount Carmel · Mount Carroll · Mount Clare · Mount Erie · Mount Morris · Mount Olive · Mount Prospect · Mount Pulaski · Mount Sterling · Mount Vernon · Mount Zion · Moweaqua · Muddy · Mulberry Grove · Muncie · Mundelein · Murphysboro · Murrayville · Naperville · Naplate · Naples · Nashville · Nason · Nauvoo · Nebo · Nelson · Neoga · Neponset · New Athens · New Baden · New Bedford · New Berlin · New Boston · New Burnside · New Canton · New Douglas · New Grand Chain · New Haven · New Holland · New Lenox · New Milford · New Minden · New Salem · Newark · Newman · Newton · Niantic · Niles · Nilwood · Noble · Nokomis · Nora · Normal · Norridge · Norris · Norris City · North Aurora · North Barrington · North Chicago · North City · North Henderson · North Pekin · North Riverside · North Utica · Northbrook · Northfield · Northlake · Norwood · O'Fallon · Oak Brook · Oak Forest · Oak Grove · Oak Lawn · Oak Park · Oakbrook Terrace · Oakdale · Oakford · Oakland · Oakwood · Oakwood Hills · Oblong · Oconee · Odell · Odin · Ogden · Oglesby · Ohio · Ohlman · Okawville · Old Mill Creek · Old Ripley · Old Shawneetown · Olmsted · Olney · Olympia Fields · Omaha · Onarga · Oneida · Oquawka · Orangeville · Oreana · Oregon · Orient · Orion · Orland Hills · Orland Park · Oswego · Ottawa · Otterville · Owaneco · Palatine · Palestine · Palmer · Palmyra · Palos Heights · Palos Hills · Palos Park · Pana · Panama · Panola · Papineau · Paris · Park City · Park Forest · Park Ridge · Parkersburg · Patoka · Paw Paw · Pawnee · Paxton · Payson · Pearl · Pearl City · Pecatonica · Pekin · Peoria · Peoria Heights · Peotone · Percy · Perry · Peru · Pesotum · Petersburg · Phillipstown · Philo · Phoenix · Pierron · Pinckneyville · Pingree Grove · Piper City · Pittsburg · Pittsfield · Plainfield · Plainville · Plano · Plattville · Pleasant Hill · Pleasant Plains · Plymouth · Pocahontas · Polo · Pontiac · Pontoon Beach · Pontoosuc · Poplar Grove · Port Barrington · Port Byron · Posen · Potomac · Prairie City · Prairie Grove · Prairie du Rocher · Princeton · Princeville · Prophetstown · Prospect Heights · Pulaski · Quincy · Radom · Raleigh · Ramsey · Rankin · Ransom · Rantoul · Rapids City · Raritan · Raymond · Red Bud · Reddick · Redmon · Reynolds · Richmond · Richton Park · Richview · Ridge Farm · Ridgway · Ridott · Ringwood · Rio · Ripley · River Forest · River Grove · Riverdale · Riverside · Riverton · Riverwoods · Roanoke · Robbins · Roberts · Robinson · Rochelle · Rochester · Rock City · Rock Falls · Rock Island · Rockbridge · Rockdale · Rockford · Rockton · Rockwood · Rolling Meadows · Romeoville · Roodhouse · Roscoe · Rose Hill · Roselle · Rosemont · Roseville · Rosiclare · Rossville · Round Lake · Round Lake Beach · Round Lake Heights · Round Lake Park · Roxana · Royal · Royal Lakes · Royalton · Ruma · Rushville · Russellville · Rutland · Sadorus · Sailor Springs · Salem · Sammons Point · San Jose · Sandoval · Sandwich · Sauget · Sauk Village · Saunemin · Savanna · Savoy · Sawyerville · Saybrook · Scales Mound · Schaumburg · Schiller Park · Schram City · Sciota · Scottville · Seaton · Seatonville · Secor · Seneca · Sesser · Shabbona · Shannon · Shawneetown · Sheffield · Shelbyville · Sheldon · Sheridan · Sherman · Sherrard · Shiloh · Shipman · Shorewood · Shumway · Sibley · Sidell · Sidney · Sigel · Silvis · Simpson · Sims · Skokie · Sleepy Hollow · Smithboro · Smithfield · Smithton · Somonauk · Sorento · South Barrington · South Beloit · South Chicago Heights · South Elgin · South Holland · South Jacksonville · South Pekin · South Roxana · South Wilmington · Southern View · Sparland · Sparta · Spaulding · Spillertown · Spring Bay · Spring Grove · Spring Valley · Springerton · Springfield · St. Anne · St. Augustine · St. Charles · St. David · St. Elmo · St. Francisville · St. Jacob · St. Johns · St. Joseph · St. Libory · St. Peter · St. Rose · Standard · Standard City · Stanford · Staunton · Ste. Marie · Steeleville · Steger · Sterling · Steward · Stewardson · Stickney · Stillman Valley · Stockton · Stone Park · Stonefort · Stonington · Stoy · Strasburg · Strawn · Streamwood · Streator · Stronghurst · Sublette · Sugar Grove · Sullivan · Summerfield · Summit · Sumner · Sun River Terrace · Swansea · Sycamore · Symerton · Table Grove · Tallula · Tamaroa · Tamms · Tampico · Taylor Springs · Taylorville · Tennessee · Teutopolis · Thawville · Thayer · Thebes · Third Lake · Thomasboro · Thompsonville · Thomson · Thornton · Tilden · Tilton · Timberlane · Tinley Park · Tiskilwa · Toledo · Tolono · Toluca · Tonica · Topeka · Toulon · Tovey · Towanda · Tower Hill · Tower Lakes · Tremont · Trenton · Trout Valley · Troy · Troy Grove · Tuscola · Ullin · Union · Union Hill · University Park · Urbana · Ursa · Valier · Valley City · Valmeyer · Vandalia · Varna · Venedy · Venice · Vergennes · Vermilion · Vermont · Vernon · Vernon Hills · Verona · Versailles · Victoria · Vienna · Villa Grove · Villa Park · Viola · Virden · Virgil · Virginia · Volo · Wadsworth · Waggoner · Walnut · Walnut Hill · Walshville · Waltonville · Wamac · Wapella · Warren · Warrensburg · Warrenville · Warsaw · Washburn · Washington · Washington Park · Wataga · Waterloo · Waterman · Watseka · Watson · Wauconda · Waukegan · Waverly · Wayne · Wayne City · Waynesville · Weldon · Wellington · Wenona · Wenonah · West Brooklyn · West Chicago · West City · West Dundee · West Frankfort · West Peoria · West Point · West Salem · Westchester · Western Springs · Westfield · Westmont · Westville · Wheaton · Wheeler · Wheeling · White City · White Hall · Williamsfield · Williamson · Williamsville · Willisville · Willow Hill · Willow Springs · Willowbrook · Wilmette · Wilmington · Wilsonville · Winchester · Windsor · Winfield · Winnebago · Winnetka · Winslow · Winthrop Harbor · Witt · Wonder Lake · Wood Dale · Wood River · Woodhull · Woodland · Woodlawn · Woodridge · Woodson · Woodstock · Worden · Worth · Wyanet · Wyoming · Xenia · Yale · Yates City · Yorkville · Zeigler · Zion