Helping Individuals And Families Break Free From Debt

I am lawyer Steve Beck and I help people throughout the Chicago area prepare for and successfully navigate through the Chapter 7 bankruptcy process. For decades, I've provided the answer, advice and assistance my clients need as they regain control of their lives and financial futures. For a free initial telephone consultation, call me at (708) 479-1144. I meet with clients by appointment, including evenings and weekends.

Understanding Chapter 7 Bankruptcy

For individuals, Chapter 7 bankruptcy is the most popular and effective way to eliminate burdensome debts. By filing for Chapter 7, you can solve debt problems such as:

  • Credit cards: Typically, you can get rid of all credit card debt. If there are special problems relating to divorce debts or very recent use of your charge cards, I will advise you on what we can do.
  • Payday loans: Chapter 7 can help you break from the seemingly endless payday loan debt cycle.
  • Medical debt: Normally, all hospital and doctor bills are eliminated under Chapter 7.
  • Real estate issues: In most cases, you can keep your home if you continue to make your mortgage payments. Also, your mortgage company usually cannot deny you a loan modification if you file for bankruptcy. If your mortgage company forecloses on your home, a Chapter 7 will prevent the mortgage company from ever collecting a dime from you.
  • Wage and bank account garnishment and deductions: Filing for Chapter 7 bankruptcy puts an immediate end to all wage garnishment and deductions and seizures of your bank accounts.
  • Creditor lawsuits: Chapter 7 bankruptcy prevents creditors from filing or pursuing lawsuits against you.
  • Creditor harassment: As soon as you file for bankruptcy, creditors are not allowed to contact you.