It can happen to anyone. Whether because of job loss, sickness, the bad economy or just plain poor planning, you can get to that stage where your bills just get too big for your income. It is embarrassing. It can cause you stress and make you sick. It can lead to the breakup of your marriage. It rarely ever gets better.

Harassing Telephone Calls

It usually starts with a missed bill payment. Then the telephone calls start. Morning, Noon, Night. They keep coming. The only way to stop them is to pay the bill... and if you could do that you would not be in this situation. Every time you miss a payment there are more late fees and the interest rate shoots up.

Lawsuits

The creditor does not forget about you, they sue you. The get a judgment against you for the total amount of the bill, interest, late fees and attorney fees. Now instead of owing $10,000.00, you owe $20,000.00.

Foreclosure

Miss three house payments, and they start the process of foreclosure. When they are done, you lose your house.

Bill Consolidation

TV, radio and the internet are full of ads for Bill consolidators. They all work the same way. They tell you to ignore your creditors, they take big money up front, and then they try to negotiate a payment plan. Unfortunately they are only successful  20% of the time, Even if your plan is successful, your credit is destroyed for 7 years.

Solutions:

Get rid of the bill collectors, phone calls, the lawsuits, foreclosures, the stress and the strain.

Chapter 7 Bankruptcy:

One payment eliminates all of your bills. If your income is not too high and you do not have a lot of equity in your assets. This is a great solution. Under many circumstances you can keep your house and your car

Chapter 13 Bankruptcy:

Either 36 or 60 affordable payments and get rid if all of your creditors, Even more people get to keep their house and car.  No late fees, no penalties and, best of all, no more interest payments.  Even better, if you have no equity in you house you may be able to get rid of your home equity loan.

Call or email Now for your free consultation 6:00 a.m. to Midnight 7 days a week.

Toll free 888 419 2318 - Cell 630 290 1675

We serve clients in DuPage, Cook, Will and Kane Counties

and in

Towns Like

Chicago, Joliet, Aurora, Naperville, Cicero, Schaumburg, Wheaton, Berwyn, Oak Park, Downers Grove, Elmhurst, Lombard, Addison, Elk Grove, Glendale Heights, Woodridge, Glen Ellyn, Westmont, Roselle, Darien, Villa Park, Lisle, Brookfield, Hinsdale, Westchester, La Grange, Wood Dale, La Grange Park, Western Springs