Notice: Due to COVID-19, we will be conducting all consultations via video, phone, or email. We are open and here to help people in these trying times. Please don’t hesitate to call us if you have any questions!

Experienced & Client-Focused

Greater Chicago Area Chapter 7 Bankruptcy Lawyers

Resolve Your Debt & Enjoy Fresh Financial Footing!

If you have found yourself overwhelmed by unsecured debt that continues to pile up, it may be in your best interest to take immediate action and start the process of filing for Chapter 7 bankruptcy. Also known as "straight" or "liquidation" bankruptcy, Chapter 7 is the most common form of bankruptcy and allows you to cancel some or all of the debt that you currently owe.

Many times, one of the debtor's biggest problems is the seemingly never-ending calls from harassing creditors. Once your case has been filed, these creditors are legally prohibited from contacting you, providing necessary relief as you seek to re-establish your financial footing.

At Your Side Through Every Step of the Process

At Consumer Legal Group, P.C. our attorneys fully understand that filing for bankruptcy is not an easy decision and that there are risks involved. For instance, the bankruptcy will show up on your credit report for a number of years and you may risk losing valuable assets, including your home, during the process.

For many, however, bankruptcy is the right step towards the fresh start and freedom that they need. We can sit down with you, better understand your situation, and walk you through every step of the process as you move toward a debt-free future!

Some of the types of debt that can be eliminated through Chapter 7 bankruptcy include:

  • Medical debt
  • Utility debt
  • Credit card debt
  • IRS debt
  • Personal and payday loans

Chapter 7 Means Test

In order to file for Chapter 7 bankruptcy, you must pass what is known as a "Means Test." This test essentially checks your household income against your state's median income to determine if you have enough disposable income to repay your debts. If your household income is below your state's median income level, you pass the means test and can file for Chapter 7.

The means test does take into account any recent or upcoming changes in your life, including recent unemployment, in addition to the size of your family and your essential expenses. Before taking the means test, it is important to gather up all documentation related to your income from the past six months.

If you do not pass the means test, you will have to wait an additional six months before attempting to file for Chapter 7 again. Alternatively, you can file for Chapter 13 bankruptcy instead.

Call Today & Schedule Your Consultation!

Stop creditor harassment, resolve your debts, simplify your life, and enjoy a fresh financial start. Our Greater Chicago Area bankruptcy lawyers have extensive experience, knowledge, and resources to help you achieve your goals of being debt-free.

For more information, contact us at 708.279.4191 and schedule a consultation at our Orland Park office today!

Contact Us Today!

How to Reach Us 708.279.4191 15255 S. 94th Avenue, 5th Floor
Orland Park, IL 60462 Map & Directions [+]
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