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Bankruptcy Lawyer in Lombard
Dealing with financial difficulties can cause stress, tension, and problems in the home. You may feel like you are in over your head and don't know where to turn. Bankruptcy can offer an opportunity to restructure or eliminate your debts and start you on the road to financial recovery. It can also stop foreclosures, repossessions, and creditor harassment. At the Mevorah Law Offices, we have been assisting clients in filing for bankruptcy for more than 20 years. We focus our bankruptcy practice on assisting individuals in filing for Chapter 7 and Chapter 13 bankruptcies. Both Chapter 7 and Chapter 13 stop collection activities such as creditor phone calls, foreclosures, and repossessions. However, each chapter operates differently and applies to different types of people. Bankruptcy for IndividualsWhile lack of financial training, poor financial planning and credit card spending can lead to an unmanageable debt load, for many individuals, the most common events wreaking havoc with their finances and causing them to seek protection of bankruptcy are job loss, catastrophic health problems and divorce. Chapter 13Chapter 13 offers individuals with a steady income the opportunity to repay their debts and keep their assets. In addition, the total amount of the debt to be repaid may be reduced by as much as 90 percent. The court supervises and approves the individual's bankruptcy petition and the proposed plan for debt repayment. Chapter 7Chapter 7 is also known as "straight" bankruptcy. This type of bankruptcy cancels most of your debts. However, you may have to surrender some of your property to pay off your creditors. A bankruptcy trustee appointed by the court will meet with you, go over your paperwork, and determine which property can be sold to pay off your creditors and which creditors get priority. At the end of the process, all of your debts are discharged. Bankruptcy for BusinessesOn the other hand, businesses can fall victim to mismanagement and unscrupulous accounting, although the primary causes of financial difficulties for commercial enterprises typically include one or a combination of factors, such as increased competition, inability to secure new capital, downturn in sales, loss of major contracts and tax-related problems. Individuals and businesses coping with heavy debt loads typically attempt to find viable solutions, such as debt consolidation, settlement negotiation with creditors, budget creation and asset sales, before they resort to bankruptcy. When all other approaches fail, bankruptcy might be the only way to obtain debt relief and regain financial footing. Chapter 11Generally used by businesses but also open to individuals, Chapter 11 offers more flexibility than any other type of bankruptcy and involves reorganization of debt so a business can stay in operation. 2005 Changes in BankruptcyIn recent years, the bankruptcy landscape changed significantly with The Bankruptcy Reform and Consumer Protection Act of 2005 (BAPCPA). The Act made broad changes, with rules geared toward eliminating fraud and providing creditors with added protection. Today bankruptcy procedures have more stringent requirements and force more people to reorganize their debt rather than allowing them to liquidate assets. Despite added restrictions, bankruptcy is still a viable solution for staggering debt and an avenue for hope and a better future. At the Law Offices of Steven H. Mevorah & Associates, we represent clients in DuPage, Cook, Kane, McHenry and Will counties. When you seek our legal help, you will find experienced bankruptcy lawyers, well-versed in the law, adept at evaluating troubling financial situations and determining whether seeking protection through bankruptcy is right for you. Our Illinois law firm offers legal services tailored to the needs of individuals and businesses that might benefit from the protection offered by bankruptcy laws. To learn how the knowledge and expertise of a skilled bankruptcy attorney can benefit you, we encourage you to call our office at 630-932-9100 or Contact Us Online to schedule a no-cost consultation. Helpful Link Federal Trade Commission Facts for Consumers If you are in need of assistance in filing for bankruptcy or you have questions about whether filing a bankruptcy is right for you, please call the Mevorah Law Offices in Lombard, Illinois, today. Our experienced bankruptcy attorneys will help you put financial difficulties behind you. Contact us anytime! We are a debt-relief agency under the United States Bankruptcy Code. We help people file for bankruptcy relief under the bankruptcy code. |