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FAQ

  • Bankruptcy

    • What made you decide to pursue a career in bankruptcy law?
      I really enjoy helping people, and bankruptcy is an area where you can do exactly that. As an experienced bankruptcy lawyer, I get to see people on their worst day; they come in concerned and upset and worried, and afterwards, once the process is complete, they always look and sound a lot better. It is a life-changing event for the better.
    • In your opinion, what sets your firm apart from the rest?
      We really do care about our clients and always meet with them personally. We are also open seven days a week, so we can meet clients when they are not working. Most of our clients are wage earners and cannot miss work.
    • How do you help clients decide whether or not to file for bankruptcy?

      We are totally honest with our clients. I have been practicing bankruptcy law for over 10 years, so we know when it is a good case or if bankruptcy would not be a good idea.

    • Do you only represent clients who live in Chicago?
      We represent clients in Chicago and the surrounding suburbs. We practice in Lake, Rockford, DuPage, Kane, and Will County as well. I have also filed cases in the Central District of Illinois and in the Southern District of Illinois.
    • How do you help clients prepare for a debt-free future?
      We advise clients to wait and increase their credit score before making any large purchases — start small with a $350 to $500 credit limit and only have one credit card moving forward. Use it month in and month out and pay it off in full in order to demonstrate to future creditors that you can take on new debt and pay it off in full each month. If the creditor increases your credit limit, call them up and tell them to reduce it back down to the $500 range, so that way, you don't fall into the credit card trap. I explain to them that it's a lot like having a car payment — most cars usually cost less than $500 a month because the car creditor knows that after you pay your mortgage/rent, your utilities, and living expenses, you will only have a few hundred dollars left over to make a car payment. How could a credit card be any different?
    • What is the first thing that you do when you take on a new case?
      We will put them into our computer system so they can start referring their creditors over to us right away.
    • What advice do you most often give your clients?
      That their worries stay here with us, and that they no longer have to fear that they are alone struggling with their debt issues.
    • Name some of the most common misconceptions about bankruptcy
      Your credit report will suffer by filing a bankruptcy.