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If you are facing overwhelming debt in Frankfort, Illinois, understanding your rights and options under federal bankruptcy law can bring relief and a clear path forward. This page outlines the types of bankruptcy filings available to individuals and small business owners, explains how the process typically unfolds, and describes the practical steps our firm takes to protect assets, stop creditor actions, and negotiate viable outcomes. We aim to provide straightforward information so you can make informed decisions about bankruptcy, including timelines, eligibility considerations, and the likely effects on your financial future and credit standing.
Bankruptcy can feel intimidating, but a careful review of your financial situation and the available legal pathways often reveals constructive solutions. This introduction clarifies common misconceptions about filing, including which debts may be discharged, what property exemptions apply in Illinois, and how bankruptcy interacts with wage garnishment, repossession, and foreclosure. We emphasize practical next steps such as gathering financial records, documenting creditor communications, and preparing a realistic budget. Our goal is to equip you with actionable information that helps you decide whether bankruptcy is the right option and how to proceed with confidence.
Pursuing bankruptcy relief can offer immediate protection and long-term stabilization for people dealing with unaffordable debt. One of the primary benefits is an automatic stay that halts most collection activity, including phone calls, lawsuits, wage garnishments, and foreclosure actions, giving breathing room to reorganize finances. Bankruptcy law also provides structured ways to repay or eliminate debt, enabling a fresh start while preserving essential assets through exemptions available under Illinois law. Beyond debt relief, a properly handled bankruptcy filing can restore predictability to your finances and allow you to focus on rebuilding credit and planning for a more secure future.
Frankfort Law Group represents individuals and small businesses throughout Illinois in bankruptcy and debt relief matters. Our trial lawyers approach each case with careful analysis of financial records, creditor claims, and exemption options to identify the best course of action. We emphasize clear communication, practical advice, and thorough preparation for court deadlines and trustee meetings. Whether a client needs help determining eligibility for a Chapter 7 discharge or developing a feasible Chapter 13 repayment plan, our focus is on protecting clients’ interests and securing stable, long-term outcomes that reflect each client’s priorities and circumstances.
Bankruptcy law offers several pathways, each suited to different financial circumstances. Chapter 7 provides a mechanism for discharging unsecured debt when a debtor lacks sufficient income to repay; it may involve liquidation of non-exempt assets, though Illinois exemptions often protect vital property. Chapter 13 allows wage earners to restructure debts into an affordable repayment plan over three to five years while retaining property. Other options such as debt settlement or negotiation may be alternatives for those who prefer not to file. Evaluating income, assets, debts, and long-term goals helps determine which route aligns best with a client’s needs.
Deciding to file bankruptcy involves practical and personal considerations beyond legal eligibility. Key factors include current monthly income, the value of assets and applicable exemptions, pending creditor actions such as lawsuits or foreclosures, and the nature of debts—whether they are dischargeable or non-dischargeable under federal law. Timing can matter, for example when facing immediate repossession or foreclosure, and prior filings will affect eligibility and waiting periods. A careful, well-documented review of your financial picture clarifies options and helps create a realistic plan to stop aggressive collection and work toward financial recovery.
Bankruptcy is a federal legal process that reorganizes or discharges certain debts and provides protections against creditor actions through the court system. When a case is filed, an automatic stay takes effect, preventing most collection efforts while the court reviews the petition. In Chapter 7 cases, qualifying debts may be discharged after asset review, subject to exemptions. In Chapter 13, a repayment plan distributes available income to creditors over time, often allowing debtors to retain property. The process includes documentation of income and expenses, creditor schedules, and meetings with a trustee to verify information and oversee administration of the case.
A typical bankruptcy case involves several important stages from intake through resolution. The process begins with gathering documentation of income, debts, assets, and financial transactions; completing pre-filing credit counseling; and preparing and filing the petition and supporting schedules. After filing, the automatic stay protects the filer while the trustee reviews assets and creditor claims. In a Chapter 13, a repayment plan is proposed and confirmed by the court. Final steps may include completion of required financial education and discharge of qualifying debts. Throughout, timely responses, accurate documentation, and court compliance are essential to a successful outcome.
Understanding common bankruptcy terms helps demystify the process and allows you to engage more confidently in planning and court proceedings. This glossary covers essential concepts such as automatic stay, discharge, exempt property, trustee, proof of claim, and repayment plan. Each term is explained in plain language and tied to practical implications for Illinois residents, including which assets are typically protected and how certain actions by creditors are affected. Familiarity with these terms can reduce stress during a filing and make it easier to follow required steps and deadlines throughout the case.
The automatic stay is an immediate injunction that takes effect when a bankruptcy petition is filed in federal court, prohibiting most collection activities by creditors. It stops phone calls, lawsuits, garnishments, repossessions, and foreclosure proceedings while the case is pending. The stay allows the debtor time to reorganize, propose a repayment plan, or proceed toward discharge without ongoing creditor pressure. There are exceptions and situations where a creditor can request relief from the stay, so understanding how it applies in your case and monitoring deadlines is important for maintaining this protection during the bankruptcy process.
A discharge releases the debtor from personal liability for specific debts listed in the bankruptcy proceeding, meaning creditors cannot continue collection efforts on those obligations. Discharge eligibility depends on the chapter under which the case was filed and whether particular debts are non-dischargeable under federal law, such as certain taxes, student loans in many cases, and debts arising from fraud. The timing and scope of a discharge vary: Chapter 7 discharges usually occur after administration of the estate and any objections, while Chapter 13 discharges follow successful completion of the payment plan and required education courses.
Exempt property refers to assets that a debtor may retain despite filing for bankruptcy, based on federal or state exemption statutes. Illinois allows certain property protections that can include a homestead exemption up to specific limits, vehicle exemptions, and protections for household items, tools of the trade, and personal effects, subject to statutory caps. Properly identifying and claiming exemptions is a critical part of bankruptcy planning because it affects which assets are available to satisfy creditor claims and which assets remain with the filer during and after the proceeding.
Chapter 7 and Chapter 13 serve different debtor needs: Chapter 7 offers liquidation-based relief for qualifying filers who have limited income, potentially leading to discharge of unsecured debts after non-exempt assets are handled. Chapter 13 provides a structured repayment plan for wage earners to repay some or all debts over three to five years, often allowing retention of property and addressing arrears on secured debts. Choosing between chapters depends on income, property, long-term goals, and prior bankruptcy history; careful analysis ensures the filing aligns with personal financial recovery objectives.
When evaluating debt relief, it helps to compare bankruptcy with alternatives like debt settlement, consolidation, or negotiated repayment. Debt settlement may reduce balances but typically requires stopping payments and can result in tax consequences and credit impacts. Consolidation reorganizes payments but does not eliminate principal and often depends on creditworthiness. Bankruptcy provides legal protections, a potential discharge, and predictable timelines that alternatives may lack. Each option has trade-offs in cost, timeline, and credit impact, so matching the choice to your financial situation and goals is essential for an effective long-term solution.
Limited approaches such as negotiating with creditors, adjusting budgets, or temporary loan modifications can work when a financial setback is short-lived and debts remain manageable relative to income. If the primary issue is temporary loss of work, unexpected medical bills, or a short-term emergency with a clear pathway to recovery, addressing cash flow and negotiating reduced payments may avoid filing. It is important to document temporary circumstances and realistic timelines for recovery, since prolonged hardship or persistent inability to pay can make these measures unsustainable and may push an individual toward bankruptcy or a formal repayment strategy.
If outstanding balances are relatively modest and can be repaid through a disciplined repayment plan, credit counseling, or consolidation, a limited approach may be preferable to filing. This path preserves credit options and avoids the formal consequences of bankruptcy when the debtor can realistically eliminate or reduce balances within a reasonable period. Key considerations include the total debt load compared to disposable income, the cost of settlement or consolidation relative to payoff, and whether creditors are willing to negotiate in good faith. A clear budget and commitment to repayment are essential for success in these circumstances.
When creditors have initiated lawsuits, garnishments, foreclosure, or repossession actions, a comprehensive legal approach that includes a bankruptcy filing can instantly halt these proceedings through the automatic stay. In such urgent situations, timely legal filings can preserve income, prevent property loss, and create the structure necessary to address arrears or eliminate unsecured debts. Managing these active collection efforts requires accurate documentation, quick court filings, and coordination to ensure deadlines are met and immediate protections are in place to stabilize the client’s financial position.
Complex cases involving business debts, significant secured obligations, multiple lawsuits, or questions about which assets are exempt benefit from a comprehensive legal strategy. These situations require careful analysis to determine whether liquidation, reorganization, or negotiated plans offer the best outcome while avoiding unintended consequences. A comprehensive approach coordinates creditor communications, develops appropriate schedules and plans, and addresses potential disputes or objections, which helps ensure that filings are accurate, defensible, and aligned with long-term financial recovery goals.
A comprehensive bankruptcy strategy combines immediate legal protections with careful planning to achieve the best possible resolution of debts. It can simultaneously stop aggressive collection activity, determine which debts qualify for discharge, and protect eligible assets through proper exemption claims. By coordinating documentation, negotiations, and court procedures, a full approach reduces the risk of mistakes that can delay discharge or leave assets exposed. Proper planning also explores alternatives and tax implications so clients receive clear guidance on practical consequences and realistic timelines for financial recovery.
Choosing a full-service path allows for tailored solutions such as drafting Chapter 13 plans that address arrears on mortgages, negotiating reaffirmation agreements when appropriate, and responding to trustee or creditor objections promptly. This level of attention can help clients preserve housing, retain necessary vehicles and tools for employment, and manage long-term rebuilding of credit. A thorough approach also includes pre- and post-filing counseling and follow-up support to ensure that required steps are completed and clients understand how to move forward after discharge or plan completion.
One major benefit of filing is the immediate protection the automatic stay provides, stopping most collection actions while you organize your finances. This pause in creditor activity creates breathing room to analyze options and develop a structured plan without the pressure of looming lawsuits or repossessions. Immediate stabilization also helps preserve income and prevents further damage to your financial position, allowing you to focus on rebuilding. For many individuals, the ability to stop continued harassment and enforcement measures is the first step toward regaining financial control and planning for recovery.
A comprehensive bankruptcy plan offers a predictable route to resolving unsecured debts and addressing secured arrears through structured repayment or discharge. Rather than informal arrangements that may be temporary or inconsistent, bankruptcy provides legal finality for qualifying obligations and a timeline for completion. This clarity allows clients to set realistic financial goals and rebuild credit through steady progress. Additionally, resolving outstanding debts can reduce long-term stress and enable better planning for employment, housing, and family needs without the ongoing uncertainty of unresolved creditor claims.
Start by collecting bank statements, pay stubs, tax returns, loan documents, and records of recent payments to creditors. Organized documentation speeds preparation of bankruptcy schedules and reduces the chance of errors or omissions that can delay your case. Clear records also help identify assets that may be exempt under Illinois law and clarify income sources for means testing or repayment planning. Keeping a centralized folder of relevant documents and a timeline of major financial events will make meetings with counsel and the trustee more efficient and improve the accuracy of your filing.
Bankruptcy requires completion of pre-filing credit counseling and a post-filing debtor education course before discharge in most cases, as well as attendance at the meeting of creditors with the trustee. Scheduling and attending these sessions on time is not optional, and failure to do so can delay or prevent discharge. Preparing questions for the trustee and bringing requested documents to the meeting of creditors helps demonstrate good faith and compliance. These steps are procedural but significant, and being prepared helps the case progress without unnecessary setbacks.
Consider bankruptcy if unsecured debts have become unmanageable, creditors are pursuing lawsuits or garnishments, or foreclosure or repossession is imminent. Filing can stop aggressive collection actions and give a structured legal process for addressing arrears and unsecured obligations. Bankruptcy may be appropriate when monthly income does not cover basic living expenses after minimum payments, or when settlement offers and negotiation attempts have failed to produce sustainable solutions. The process should be weighed against alternatives, but in many situations it offers a realistic path to regaining control over finances and reducing long-term stress.
Another reason to consider bankruptcy is when multiple creditors create conflicting pressures that hinder your ability to address essential living costs and maintain employment. Consolidation or informal arrangements may not be feasible if creditors are unwilling to negotiate or if legal actions escalate. Bankruptcy’s built-in structure helps prioritize claims and resolves qualifying debts through discharge or structured repayment, enabling a fresh start. The decision to move forward often depends on a careful assessment of income, asset exemptions in Illinois, and whether long-term financial recovery is best served by formal relief.
Many clients turn to bankruptcy after a cascade of events such as job loss, medical emergencies, divorce, or a business downturn. These triggers can quickly overwhelm savings and lead to missed payments, creditor lawsuits, and the threat of foreclosure or repossession. Other common circumstances include mounting unsecured debt from credit cards, unexpected tax liabilities, or collections that threaten take-home pay. When routine attempts to negotiate or restructure debt are unsuccessful, filing bankruptcy may be the most reliable legal path to halt actions and reorganize finances with a predictable timeline.
When mortgage payments fall into arrears and foreclosure proceedings are pending, filing bankruptcy can immediately halt the process under the automatic stay and create options to cure arrears through a Chapter 13 plan or address secured obligations more effectively. It is important to act quickly when foreclosure notices arrive, as time-sensitive filings and plan proposals may preserve homeownership. Understanding the interaction between bankruptcy timelines and state foreclosure procedures allows for deliberate choices about whether to propose a cure plan, seek loan modification, or pursue other alternatives that protect shelter and family stability.
Facing wage garnishment or active lawsuits from creditors can rapidly reduce disposable income and impair the ability to meet basic expenses. Filing for bankruptcy can stop garnishments and lawsuits, leveling the field and enabling the debtor to reorganize finances without ongoing legal pressures. Timely filing is important to preserve wages and prevent additional enforcement measures. After a filing, the debtor can work through claim resolution and pursue discharge or structured repayment, while regaining control over monthly cash flow that was previously diminished by collection actions.
Medical debt is a frequent cause of financial distress, especially when unexpected health events lead to extensive bills and prolonged recovery periods that reduce income. When medical obligations exceed the ability to repay without sacrificing housing and essential needs, bankruptcy can provide relief by discharging qualifying unsecured medical debts or incorporating them into a manageable repayment plan. Addressing medical debt through bankruptcy allows individuals and families to recover financially while avoiding ongoing collection harassment and the long-term stress that large medical balances can impose on household stability.
Frankfort Law Group is available to guide Illinois residents through the bankruptcy process, from initial assessment to case resolution. We prioritize clear communication, careful documentation, and practical advice tailored to each client’s financial situation. Our team assists with gathering necessary paperwork, preparing filings, meeting trustee requirements, and explaining the likely effects of different chapters of bankruptcy. If you are facing creditor actions or severe debt stress, contacting our office can clarify options and next steps so you can make informed choices and pursue the most effective path to financial stabilization.
Clients choose Frankfort Law Group for our focused approach to resolving debt-related legal matters in Illinois. We emphasize thorough preparation of bankruptcy petitions and schedules, proactive communication with trustees and creditors, and practical solutions that seek to preserve vital assets while pursuing debt relief. Our trial lawyers apply their litigation experience when disputes arise, ensuring that filings are accurate and defensible and that clients understand the likely outcomes and timelines involved. This combination of preparation, communication, and courtroom experience helps clients navigate the process confidently.
We also prioritize personalized service that addresses the unique circumstances of each client, whether that involves negotiating with mortgage servicers, addressing tax-related claims, or structuring a Chapter 13 plan that fits household budgets. Our goal is to minimize disruption, protect what matters most, and explain complex procedures in plain language so clients can make informed choices. By coordinating deadlines, documentation, and necessary counseling, we help ensure that procedural requirements are met and that clients can focus on rebuilding their financial lives after discharge or plan completion.
Finally, practical accessibility matters. Frankfort Law Group guides clients through court appearances, trustee meetings, and post-filing obligations while keeping lines of communication open by phone and email. We explain fees and likely costs up front and work to provide cost-effective solutions that reflect each client’s needs. Whether you are considering Chapter 7, Chapter 13, or another debt relief strategy, our approach is to provide realistic, legally sound guidance that supports long-term financial recovery and reduces the burden of creditor pressure on you and your family.
At Frankfort Law Group, the process begins with a thorough intake and financial review to determine eligibility and the most appropriate chapter of bankruptcy. We collect necessary documentation, complete required counseling, and prepare precise petitions and schedules for filing with the federal court. After filing, we represent clients at the meeting of creditors and handle interactions with trustees and creditors, addressing inquiries and resolving administrative matters. If a Chapter 13 plan is required, we prepare and present the plan for confirmation and provide ongoing guidance until case completion or discharge.
The first step includes a comprehensive review of debts, income, assets, and recent financial transactions to determine eligibility and recommend a path forward. We explain Illinois exemption options, assess the means test where applicable, and identify potential obstacles or advantages in your financial profile. Pre-filing credit counseling is arranged, and we gather documentation such as tax returns, bank statements, pay stubs, and creditor statements. This preparation ensures the petition and schedules are accurate and minimizes the likelihood of delays after filing.
Collecting complete and accurate financial records is essential to prepare a bankruptcy petition that meets court requirements. This includes recent pay stubs, bank statements, tax returns, mortgage and vehicle documents, and records of major financial transactions. A thorough assessment identifies exempt property and clarifies income sources for means testing or plan development. Proper organization reduces the chance of trustee inquiries or creditor objections and helps ensure the filing proceeds smoothly through the administrative phases toward resolution.
Before filing, debtors must complete an approved credit counseling session and discuss alternatives to bankruptcy. We guide clients through this requirement and use the counseling results to shape the filing strategy. During the strategy discussion, we explain the implications of filing under different chapters, review exemption choices, and outline likely timelines and costs. This step ensures clients understand both immediate impacts, such as the automatic stay, and post-filing obligations, like financial education courses required for discharge.
Once the petition and schedules are prepared, we file the case with the appropriate federal bankruptcy court, at which point the automatic stay goes into effect. This filing is the pivotal moment that stops most creditor collection efforts and triggers trustee oversight. We notify creditors and assist clients with initial administrative requirements, including preparing for the meeting of creditors. Filing also places time limits on creditor actions and starts the formal review process for asset administration, discharge eligibility, or plan confirmation depending on the chapter filed.
After filing, the court issues notice to listed creditors and sets a date for the meeting of creditors. Proper notice is essential to ensure creditors receive opportunities to file claims or objections, and it initiates the trustee’s review of the case. We manage communications with creditors, address inquiries, and ensure that all required documentation is available for trustee review. Timely and accurate filings reduce the risk of procedural challenges and help maintain the protections afforded by the automatic stay throughout the initial case period.
The meeting of creditors, also called the 341 meeting, is a required proceeding where the trustee asks questions to verify the accuracy of the petition and schedules. Attendance and honest, prepared responses are essential. We accompany clients to the meeting, provide guidance on likely questions, and ensure required documents are on hand. The trustee’s review may lead to further inquiries, but with complete documentation and accurate filings, most meetings are administrative in nature and allow the case to progress toward discharge or plan confirmation without contested litigation.
Resolution depends on the chapter filed: Chapter 7 cases move toward discharge after trustee administration of non-exempt assets, while Chapter 13 cases proceed through plan payments and confirmation. Post-filing requirements include a debtor education course before discharge, possible reaffirmation agreements for certain secured debts, and addressing any creditor objections. We monitor deadlines, respond to trustee or creditor inquiries, and help clients complete education requirements. Successful completion results in debt discharge or plan completion, allowing clients to move forward with a more stable financial foundation.
Before receiving a discharge, debtors must complete an approved financial management course and comply with any trustee-directed tasks. These steps are procedural but mandatory, and missing them can delay discharge. We remind clients about deadlines for education courses and provide assistance in gathering any additional documents requested by the trustee. Ensuring these obligations are addressed timely helps finalize the case and brings closure to the process, enabling clients to begin rebuilding credit and focusing on future financial planning.
After discharge in Chapter 7 or plan completion in Chapter 13, clients receive documentation confirming resolution of qualifying debts and instructions for rebuilding credit and financial stability. We provide guidance on steps to restore credit, protect identity, and plan for future borrowing or housing needs. Follow-up support includes answering questions about the discharge order, assisting with inadvertent creditor claims, and advising on the timing of significant financial decisions. Effective aftercare helps clients capitalize on the fresh start bankruptcy provides and avoid repeat financial hardship.
At the Frankfort Law Group, we take great pride in our commitment to personal service. Clients come to us because they have problems, and they depend upon us to help them find solutions. We take these obligations seriously. When you meet with us, we know that you are only doing so because you need help. Since we started our firm in northeast Illinois, we have focused on providing each of our clients with personal attention. You do not have to be afraid to tell us your story. We are not here to judge you or make you feel ashamed for seeking help. Our only goal is to help you get results and move past your current legal problems.
At the Frankfort Law Group, we take great pride in our commitment to personal service. Clients come to us because they have problems, and they depend upon us to help them find solutions. We take these obligations seriously. When you meet with us, we know that you are only doing so because you need help. Since we started our firm in northeast Illinois, we have focused on providing each of our clients with personal attention. You do not have to be afraid to tell us your story. We are not here to judge you or make you feel ashamed for seeking help. Our only goal is to help you get results and move past your current legal problems.
Individuals commonly file under Chapter 7 or Chapter 13 depending on income and goals. Chapter 7 can discharge unsecured debts for qualifying filers and may require liquidation of non-exempt assets, while Chapter 13 structures payments into a court-approved plan that allows debtors to keep property while repaying arrears. Determining which chapter suits you involves reviewing income, assets, and whether you are behind on secured debts.A careful assessment of your finances clarifies options and likely outcomes. We evaluate Illinois exemption rules, recent filings, and expected timelines to recommend the most appropriate approach for your circumstances and to explain the steps involved in each type of filing.
The automatic stay goes into effect upon filing and stops most collection efforts, including phone calls, lawsuits, wage garnishments, and foreclosure actions. This immediate protection gives debtors time to organize their case and pursue orderly resolutions without ongoing harassing collection activity.Certain actions may be exempt from the stay, and creditors can seek relief from the court in specific circumstances. Understanding how the stay applies and maintaining accurate filings helps preserve this protection and ensure the filing achieves its intended effect of halting creditor enforcement.
Whether you can keep a house or car depends on the chapter filed, the value of the property, and applicable exemptions in Illinois. In Chapter 13, debtors typically retain property while curing arrears through a repayment plan. In Chapter 7, exempt property usually can be retained, but non-exempt assets could be subject to liquidation to pay creditors.Careful planning and correct exemption claims are essential. We review property values, mortgage or lien status, and Illinois exemption limits to advise on options for retaining necessary assets and minimizing loss during the bankruptcy process.
A bankruptcy filing generally appears on credit reports for several years: Chapter 7 filings commonly remain for up to ten years, while Chapter 13 filings typically remain for up to seven years. The impact on credit varies by individual circumstances and prior credit history.Despite the listing, many people rebuild credit relatively quickly after discharge by establishing steady payment histories and using credit responsibly. We provide guidance on practical steps to begin repairing credit and reestablishing financial stability following a bankruptcy resolution.
Discharging student loans through bankruptcy is challenging and requires proving undue hardship under applicable legal standards, which is evaluated in an adversary proceeding. Most student loan debts are not automatically dischargeable, but in certain circumstances and with appropriate factual support, relief may be possible.Because this area is fact dependent and legally complex, individuals with significant student loan balances should seek careful evaluation to determine whether an undue hardship claim is viable or whether alternative strategies such as income-driven repayment plans may provide more practical relief.
Key documents for filing include recent pay stubs, tax returns, bank statements, a list of assets and debts, mortgage and vehicle loan documents, and records of major financial transactions within the look-back period. Completing pre-filing credit counseling is also required. Accurate and organized documentation accelerates preparation of the petition and reduces the likelihood of trustee questions or creditor objections.Providing complete information about household income and monthly expenses is essential for means testing and plan development. We assist clients in identifying and assembling necessary paperwork to ensure timely and accurate filings with the court.
Filing costs include the court filing fee, which varies by chapter, and attorney fees that depend on the complexity of the case and required services. Chapter 7 court filing fees are set by the court, and Chapter 13 includes additional administrative costs associated with plan administration. We discuss fee structures and payment options during the initial consultation and provide estimates tailored to your situation.In many cases, the cost of representation is offset by the immediate protections and long-term benefits achieved through filing. Transparent discussion of fees helps clients plan financially for the process and avoid surprises.
Self-employed individuals and small business owners may file personal bankruptcy to address business-related debts, or they may use corporate filings where appropriate. The choice depends on business structure, personal liability for business debts, and the owner’s financial goals. For sole proprietors, business debts often are part of the individual’s petition, while incorporated entities may require separate filings.We analyze business income, outstanding obligations, and asset structures to recommend whether personal or business bankruptcy is most suitable and to develop a plan that addresses both personal and commercial financial concerns.
If a creditor sues you before filing, the lawsuit may be stayed once a bankruptcy petition is filed, halting further proceedings. Timing is important, as filing before a judgment or enforcement can prevent garnishment or other collection actions, but courts review filings to ensure they are made in good faith.Prompt action and careful coordination of filings, notices, and documentation are necessary to preserve protections. We help clients evaluate pending litigation and determine appropriate timing and strategy to maximize relief and minimize the impact of pre-filing legal actions.
To begin with Frankfort Law Group, contact our office at 708-766-7333 for an initial consultation or submit an inquiry through our website. We will schedule a meeting to review your financial situation, collect required documents, and discuss available options, including whether Chapter 7 or Chapter 13 is more appropriate for your circumstances.During the initial meeting we outline steps, likely timelines, and fee estimates so you can decide on the best course. If you proceed, we assist with pre-filing counseling, document preparation, and court filings to ensure a well-managed process toward resolution.