Bankruptcy Attorney
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Chicago Chapter 7 Bankruptcy Lawyer

Fight Debt Today. Call (312) 957-8077 for a Free Review.

Having a knowledgeable Chicago bankruptcy attorney to help you determine your best option for debt relief, whether Chapter 7 or Chapter 13, is important. With Attorney Joseph P. Doyle, you can benefit from time-tested advice and dedicated counsel.

How Can We Help You?

In the face of crushing debt and creditor harassment, it is easy to think you have no options. Fortunately, nothing could be further from the truth. Federal bankruptcy law gives debtors just like you the opportunity to file for bankruptcy in order to get a fresh start. By taking the proper steps, you could have your debts discharged through bankruptcy.

Our Chapter 7 bankruptcy attorney in Chicago is here to help you through this. Get a fresh start today!

What Happens When You File Chapter 7?

Filing under Chapter 7 of the bankruptcy code is a way to obtain immediate debt relief and regain financial stability with a fresh start. The Chapter 7 process involves liquidation and discharge of any remaining debts. It is a viable solution for many individuals who cannot get out from under their troubling financial situation.

When you file for Chapter 7 you:

  • Eliminate your legal obligation to pay unsecured dischargeable debt
  • Eliminate your legal obligation on secured debts

After you have completed bankruptcy and debts have been discharged, you may no longer be liable for those discharged debts. In some cases, debtors can reaffirm secured debts to reinstate their previous legal obligation. For example, they may be able to reinstate a prior mortgage, making regular payments as they stay in the house. Some types of debt, however, cannot be discharged.

Classic examples include:

  • Child support
  • Student loans
  • Particular taxes

Will I Lose My Property If I File?

Chapter 7 bankruptcy in Chicago, IL involves liquidating a debtor’s nonexempt assets. In this situation, the trustee will take possession of the debtor’s property and liquidate any assets that are unprotected. During this process, the assets will be sold and funds will be paid to creditors. Under the bankruptcy code, the debtor will be allowed to retain certain basic assets, which are the exempt property.

Following is property that might be exempt in a bankruptcy:

  • Whole Life Insurance
  • Personal Injury Payment
  • Wild Card
  • Homestead
  • Motor Vehicle
  • Pensions and Qualified Retirement Plans
  • Alimony and Child Support
  • Social Security, Unemployment and Public Assistance
  • Workers' Compensation
  • Illinois College Savings Pool Accounts
  • Certain Personal Items (Clothing, School Books, Family Photos)

What Type of Debt Relief Is for Me?

There is only one way to know whether or not filing for bankruptcy is the right choice for you, and that is to discuss your options with a Chicago bankruptcy attorney to fully understand the benefits and disadvantages of each. If you initiate the Chapter 7 bankruptcy process blindly, you could find yourself in trouble later. At our firm, we fully understand the scope of bankruptcy law and can even dispel some of the common bankruptcy myths that you may have heard.

We Can Help You Work Toward a Debt-Free Future

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