New Lenox Chapter 7 Debt Relief Attorney
When the time comes to pay your bills each month, you may feel as though you will never have enough to make ends meet. Job loss, medical problems, divorce and other life circumstances can all cause serious financial stress and mounting debt. Falling farther and farther behind, you may have reached a point where you simply can no longer keep up.
If this is your situation, Chapter 7 bankruptcy may provide you with the immediate relief and long-term stability you deserve. I am New Lenox Chapter 7 bankruptcy attorney Steve Beck, and I have been helping people throughout the Chicago metro area get debt relief for 38 years.
The Chapter 7 Bankruptcy Process
Also known as debt liquidation or straight bankruptcy, Chapter 7 bankruptcy will discharge most unsecured debt, including credit card bills and medical expenses, while normally allowing you to keep your car, home, 401(k) and other retirement savings.
In addition to discharging debt, filing for Chapter 7 will provide you with an automatic stay, stopping all creditor harassment and collections activity. In addition, any communication from your creditors must go through your lawyer.
When you work with me, you can be confident in the knowledge that I will guide you carefully, reliably and efficiently through every stage. Once we have started the streamlined process of preparing and filing your petition, I will continue to be at your side throughout the bankruptcy process, and I will give you:
- Prompt notification of your case number and hearing date
- Personal service including answering any questions you may have
- Attorney representation at your bankruptcy hearing
About 10 weeks after your hearing, the bankruptcy court should issue a discharge of your debts.
In order to file for Chapter 7 bankruptcy, you have to pass a means test, which means that there is an income ceiling, and you can't file if your income is too high. Sometimes many factors enter into the means test, and it pays to have an experienced and skillful attorney to evaluate your case to see if you can qualify to file.
Contact My Mokena Offices and Discharge Your Debt
When done correctly, filing for bankruptcy is simple and can have you debt-free within a matter of months. Working closely with you from start to finish, I will make sure you are protected from creditor harassment and wage garnishment as you take action to secure relief. Call me at 708-479-1144 , or contact me online to schedule a free telephone consultation.
I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.
