One of the counterclaims Randall Parker filed against Beneficial Mortgage Co. in a Cook County foreclosure case alleged improper disclosures under the Truth in Lending Act. But he sued more than a year after the alleged violation. And TILA Section 1640(e) provides a one-year deadline for suing — unless state law permits the late claim “as a matter of defense by recoupment or setoff.”Trying to fit within this exception, Parker invoked an abstruse savings statute: Illinois Code of Civil Procedure Section 13 …