Chicago Bankruptcy Attorneys | Free Evaluation and Consultation
Filing bankruptcy is a tough decision; however, it can actually help rebuild your credit and get you back on your feet by eliminating your current debt situation. JRQ & Associates is a small law firm that will give you personalized, one-on-one, attorney representation while guiding you through all of the intricacies of bankruptcy.
Some, but not all, advantages of filing bankruptcy include:
Stops lawsuits and allows you to avoid judgments
Stops all harassment from creditors
Allows you to catch up on Mortgage Payments
Stops Court Judgments
Keep your assets and rebuild credit immediately after your bankruptcy
Our experienced Chapter 7 and Chapter 13 bankruptcy attorneys are available to speak to you about your options and to help you become debt free in just a short time. We offer a one-on-one personal consultation with one of our experienced attorneys. Evening and Weekend appointments are available. Contact us now for a FREE evaluation and consultation.
By mentioning that you found us on Facebook, you will receive $150.00 off of our fees if you decide to move forward with a bankruptcy. You have nothing to lose, and everything to gain, by contacting us today to see how we can help with your current debt situation.
Frequently Asked Questions
What is the difference between Chapter 7 Bankruptcy and Chapter 13 Bankruptcy?
Chapter 7 Bankruptcy is for those with primarily unsecured debts. In a few short months, your debts can be discharged and the slate wiped clean. This type of bankruptcy involves the liquidation of assets in order to make payments to creditors. In most cases, you will be able to keep your house, car, 401k, pension, IRA, and personal property. Our Chapter 7 bankruptcy attorneys can help alleviate the pain and pressure of overwhelming credit card, utility, medical, and other debt not secured by property. We offer low-cost, flexible payment plans. Contact us now for a free bankruptcy consultation!
Chapter 13 Bankruptcy involves the payment of a percentage of your debts over a three to five year period and is one of the most effective means of keeping your property. If you are faced with months of missed mortgage payments or are facing foreclosure or repossession, Chapter 13 can help restructure your financial situation and help you save your home. We offer a free bankruptcy consultation and no money down Chapter 13 cases for qualifying clients (except for filing fees and credit counseling as required by the bankruptcy court).
Is Bankruptcy right for me?
Making the decision to file for bankruptcy can be a tough. Our attorneys will evaluate your personal financial situation to see if you can benefit from debt relief through bankruptcy. Often times if you are faced with missed mortgage payments, IRS debt, credit card payments, medical bills, wage garnishments or other debts, you can benefit from debt relief through bankruptcy. If you are constantly being contacted by creditors, filing for bankruptcy can put a stop to their phone calls and letters.
Will my creditors stop calling me?
Filing for bankruptcy will stop constant creditor calls, letters, and harassment. As soon as you file for bankruptcy, there is a court-imposed stop put into place on all collections actions, called the automatic stay. At that moment, your creditors can no longer contact you on the phone or through mail without permission from the court.
How will filing for bankruptcy affect my credit?
If you are facing an overwhelming number of bills and missed payments, it's quite likely that your credit is already in jeopardy. Filing for bankruptcy can help you get a fresh start on your finances and help you rebuild your credit. Our attorneys can personally counsel you on the impact that filing for bankruptcy can have on your credit.
Will I ever get credit after bankruptcy?
Yes. I can't tell you how many former clients we've had that have come out of the bankruptcy and been overwhelmed with credit offers for vehicles, credit cards, etc. The truth is that you may actually be a better credit risk after bankruptcy than you are now. That being said, it's important to be responsible with any new credit you obtain. Also, you will want to pay close attention to the terms of the credit offers as they are often accompanied by high interest rates or annual fees.
What can I do to rebuild credit after the bankruptcy?
A number of banks offer "secured" credit cards that will help rebuild credit. Keeping your financed vehicle or mortgaged property current will also help greatly in building your credit. Basically, stay current on your bills and your credit will be on its way to recovery.
Can my employer fire me for filing a bankruptcy?
No. The bankruptcy code prohibits any employer from discrimination based on bankruptcy filings.
I have filed bankruptcy before. May I file another bankruptcy?
What can your attorneys do for me?
Our attorneys will provide you with a free one-on-one consultation at a time convenient for you. At this consultation, the attorney will review your financial situation and advise you what options you have—whether bankruptcy is right for you and if your situation is better suited for a Chapter 7 or Chapter 13 case. The consultation is free and there is no obligation to move forward. In some cases we may be able to file your case on the same day to help put you on the path to debt relief.
How much does it cost?
We offer flexible payment plans for Chapter 7 bankruptcy cases, and in many cases, we offer no money down Chapter 13 bankruptcy cases. Contact us for a free consultation to find out what you may be eligible for.
What if I have more questions?
One of our bankruptcy attorneys will be happy to answer any questions that you might have and help walk you through the process. Our attorneys are available to assist you with your personal situation and help walk you through every step of the process. Should you have any questions in the process of your bankruptcy, our attorneys are easily accessible by phone and e-mail and will give you the attention that you deserve. Contact our attorneys today!
**BAPCPA disclosure: Our law firm is a debt relief agency as designated by Federal law. We help people file for Bankruptcy under the Bankruptcy code**