Cook, Dupage, Kane, Lake, and McHenry County Bankruptcy Attorneys
Bankruptcy Assitance Benefits
- Get Relief from Creditors Now
- Get a "Fresh Start"
- Stop Harassing Telephone Calls
- Stop Collection Letters
- Stop Lawsuits
- Stop Wage Garnishments
- Stop Evictions, Foreclosures and Repossessions
- Get Rid of Credit Card Debt
- Get Rid of Medical Bills
- Get that Monkey off your Back
- Chapter 7 Bankruptcy or Chapter 13 Debt Restructuring
IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY OR BANKRUPTCY PETITION PREPARER
If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney to represent you, or you can get help in some localities from a bankruptcy petition preparer who is not an attorney. THE LAW REQUIRES AN ATTORNEY OR BANKRUPTCY PETITION PREPARER TO GIVE YOUA WRITTEN CONTRACT SPECIFYING WHAT THE ATTORNEY OR BANKRUPTCY PETITION PREPARER WILL DO FOR YOU AND HOW MUCH IT WILL COST.
Ask to see the contract before you hire anyone.
The following information helps you understand what must be done in a routine bankruptcy case to help you evaluate how much service you need. Although bankruptcy can be complex, many cases are routine.
Before filing a bankruptcy case, either you or your attorney should analyze your eligibility for different forms of debt relief made available by the Bankruptcy Code and which form of relief is most likely to be beneficial for you. Be sure you understand the relief you can obtain and its limitations. To file a bankruptcy case, documents called a Petition, Schedules and Statement of Financial Affairs, as well as in some cases a Statement of Intention, need to be prepared correctly and filed with the bankruptcy court.
You will have to pay a filing fee to the bankruptcy court. Once your case starts, you will have to attend the required first meeting of creditors where you may be questioned by a court official called a 'trustee' as well as by creditors.
If you chose to file a chapter 7 case, you may be asked by a creditor to reaffirm a debt. You may want help deciding whether to do so and a creditor is not permitted to coerce you into reaffirming your debts.
If you chose to file a chapter 13 case in which you repay your creditors what you can afford over 3 to 5 years, you may also want help preparing your chapter 13 plan with the confirmation hearing on your plan which will be before a bankruptcy judge.
If you select another type of relief under the Bankruptcy Code other than chapter 7 or chapter 13, you will want to find out what needs to be done from someone familiar with that type of relief.
Your bankruptcy case may also involve litigation. You are generally permitted to represent yourself in litigation bankruptcy court, but only attorneys, not bankruptcy petition preparers, can give you legal advice.
We are engaged in the private practice of law. We are not a legal aid provider, a debt consolidator or a credit counseling agency. Pursuant to the U.S. Supreme Court 2010 decision, Milavetz, Gallop & Milavetz vs. U.S. and the United States Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, we are a debt relief agency. We help people file for relief under the Bankruptcy Code.