Start Out 2020 on the Right Foot
Increase Your Credit Score and Secure Your Financial Future
Chicago Bankruptcy Lawyer
Located in Des Plaines, IL
Immediate protection from creditors. Guaranteed relief from debt. Reorganize under chapter 13. Get a fresh start under chapter 7.
The guaranteed, fastest, least expensive, and least stressful way to wipe-out debt and increase credit score. Boom!
Bankruptcy Is the Guaranteed Way to Stop Creditors and to Erase Debts
Bankruptcy is the only guaranteed way to stop creditor collections actions and to eliminate debt.
This is because bankruptcy is federal law. And creditors will comply with federal law because they have to. If they don’t they will be sanctioned.
So, no more pleading for more time to make a payment. No more negotiating under their rules. No more being subjected to their demeaning abuse.
You will get your life back the instant you file.
Bankruptcy Is the Fastest Form of Debt Relief
Bankruptcy will stop collections and lawsuits in their tracks the instant you file your case. And with chapter 7 you can eliminate your debts in as little as 4 months.
Bankruptcy is fast.
This is possible because:
This is why the Bankruptcy Code is the perfect law for stopping creditor actions that need your immediate attention, such as:
- pending collections lawsuits
- wage garnishments
- driver’s license suspensions
- you name it …
… and why the Bankruptcy Code is also the perfect law to quickly remedy the long term consequences of living with overwhelming and unmanageable debts, such as:
- health problems from debt related stress
- strained family relationships due to money problems
- no savings for a rainy day
- no retirement savings
- I’m sure you can think of many more
Bankruptcy is fast.
Bankruptcy Is the Least Expensive, Too
With bankruptcy you can deal with all your creditors and all your debts in one shot under one proceeding.
You don’t have to deal with each creditor individually which is time consuming and expensive.
With chapter 7 bankruptcy, you just pay court costs and attorney’s fees — your creditors get nothing. You won’t get a better deal than that.
With chapter 13 bankruptcy, your general unsecured creditors get only what you can afford. That’s it.
This streamlining is one of the main goals of the Bankruptcy Code.
If you are sued by two or three different creditors, you will have to defend each lawsuit separately. Each lawsuit will have its own court dates, court costs, and legal fees.
It will be time consuming, expensive, and there will be no guarantees of winning.
Settling with your creditors is also a crapshoot. It’s time consuming and there are no guarantees you will get a good deal or a deal at all.
Remember, you will be playing the creditor’s game.
Bankruptcy on the other hand, funnels all your creditors into one legal proceeding in bankruptcy court under one set of federal rules of procedure — and the bankruptcy judge will make sure your creditors play by the rules.
While your bankruptcy case is pending lawsuits and collections must stop so you won’t have to waste your time and spend your hard earned money to defend each lawsuit.
Again, in bankruptcy, you will only pay one set of court costs and one set of legal fees to stop your creditors and to eliminate your debts.
Bankruptcy Is Definitely the Least Stressful
Once you file your case with the bankruptcy court creditors must instantly stop their collections against you — that’s the law.
If they don’t, your bankruptcy judge will hold them accountable by imposing sanctions.
- No more freaking out when the phone rings.
- No more worrying about getting sued.
- No more worrying about getting your wages garnished or bank accounts frozen.
The Bankruptcy Code virtually guarantees that you will be free from creditor harassment and interference from the moment you file your case — it’s federal law.
Sleep well again. Enjoy your family again. Enjoy your life again. Boom!
You're here. Bankruptcy may just be the relief you've been seeking.
I Get It. Taking That First Step Can Be Daunting
Taking that first step to deal with your creditors and their debt collectors can be daunting.
- You may not know your rights
- This may be your first time interacting with a lawyer
- Heck, you may still be getting used to the idea of bankruptcy
I just want you to know that if bankruptcy is the right option, it will improve your life immensely.
Bankruptcy will wipe-out your debts, end the harassment and the lawsuits, and stop the stress.
Bankruptcy really is the ultimate debt relief.
Need help or have questions? Schedule a Free Consultation with Arthur Corbin.
here's some initial information
Bankruptcy Is a Logical and Responsible Decision
Stop thinking with your emotions. Evaluating bankruptcy law as your debt relief option is a logical decision — it’s a business decision.
Think of yourself as the CEO of a corporation with your family as the shareholders. Use all available laws to benefit yourself and your shareholders — that’s what well-managed corporations do.
You Did Nothing Wrong
Unless you never intended to pay back your debts from the outset (this is called fraud), it’s not your fault for taking advantage of the Bankruptcy Code.
Most people who use our bankruptcy laws are victims of unfortunate circumstances which wreck havoc on their finances:
- Loss of employment or downturn in business
- Family separation or divorce (loss of income or new expenses)
- Serious health problems
Some people get into trouble by spending beyond their means because they were not educated about money and high risk credit — such as credit cards and payday loans. With bankruptcy, you can fix your spending mistakes and use your experience to rebuild a new financial future.
What’s the cause of your predicament? Think about it.
The Bankruptcy Code has build-in provisions to determine if you’re eligible to reduce or eliminate your debts. The law will dictate whether you qualify or not. But it’s up to you to use it.
Rebuilding Your Credit Is Easy
Creditors and their debt collectors are corporations that don’t give a damn about you — you are just a money sign.
Creditors don’t hesitate to take advantage of any available laws to maximize profit without any concern about your or your family’s well-being — it’s just business.
Use the Bankruptcy Code to eliminate the bad business relationships. Wipe-out your debts and creditors will come around again. Guaranteed. Why? Because this is how our system works — it’s just business.
Your Life Will Improve Immensely
If bankruptcy makes sense (it doesn’t make sense for everyone), chances are your life will improve immensely.
Stress will be reduced. Family relations will improve. Credit score will improve. You’ll be able to sleep better. The Bankruptcy Code is the only way to guarantee an immediate stop to harassment and the elimination of unwanted debts.
You’ll be in control again — of your finances, your future, your life.
get to know the
What about creditors, debts, and collections?
Most people have a combination of different types of debts. And different debts can cause different collection issues (e.g. foreclosure vs. harassing phone calls).
In bankruptcy, these debts are classified into categories and priorities. The categories and priorities receive different treatment.
Accordingly, your debts will influence bankruptcy chapter (either chapter 7 or chapter 13) you will need to file under to attain your goals.
learn about your two personal bankruptcy options
99% of individuals file under chapter 7 or chapter 13.
For the most part, your circumstances will dictate if bankruptcy is for you and, if it is, the appropriate bankruptcy chapter you will need to file.
Your circumstances include:
- your goals
- your assets
- your income
- your expenses
- your debts
Read about both chapter 7 and chapter 13. Keep in mind the purpose of each chapter and your goals while doing so.