• Your Local Bankruptcy Lawyers

  • Serving Glen Carbon, IL and all communities throughout the Metro-East Area

    Does thinking about your debt keep you up at night? Have you started receiving calls from creditors and collection companies? If you’re facing significant and mounting debt, you may be feeling scared and alone. While bankruptcy can't help everyone, our experienced attorneys can help you make decisions that are right for your situation. Depending on the nature and origin of your debt, we may be able to help decrease and eliminate debt hat you owe.

  • We are a debt relief agency. We help people file for debt relief under the bankruptcy code. Our attorneys can help:

    • Retain Property
    • End Calls from Creditors
    • Stop Foreclosure
    • End Repossession
    • Stop Wage Garnishment
    • Eliminate Tax Debts

  • Let us help you take the first step towards a fresh financial start. Read more below about the types of bankruptcy and how they can help your situation.

  • Chapter 7 Bankruptcy

    Under Chapter 7 of the federal bankruptcy code, the person filing wipes out all of their debt in exchange for the liquidation of their assets. A trustee will collect the assets and sell anything that is not exempt to satisfy the debts (See Illinois Asset Exemptions below). However, not everyone is qualified to file Chapter 7 bankruptcy.

    Typically, those who qualify for Chapter 7 have compiled unsecured forms of debt and have few assets. Unsecured debt includes things such as credit card debt. Unfortunately, many things cannot be discharged in a Chapter 7 filing such as alimony and child support, fraudulent debt, taxes student loans and more.

  • Chapter 13 Bankruptcy

    Chapter 13 of the federal bankruptcy code allows the person in debt to establish a repayment plan, which helps reorganize and settle the owed debt. This form of bankruptcy includes forms of secured debt that cannot be discharged in a Chapter 7 filing. Chapter 13 is often used to prevent home foreclosure, settle missed mortgage or car payments, pay back taxes and more.

  • Illinois Asset Exemptions

    The following assets may be exempt from foreclosure in the State of Illinois:

    • Homes
    • Personal Property
    • Insurance Benefits
    • Alimony/Child Support Payments
    • Pensions
    • Public Benefits
    • Wages

  • Please discuss exemptions and how they affect your case with a qualified legal professional.

  • Federal Asset Exemptions

    The following assets and more may be exempt under federal bankruptcy law:

  • • Retirement Benefits

  • • Survivor’s Benefits

  • • Death Benefits

  • • Disability Benefits

  • Please discuss exemptions and how they affect your case with a qualified legal professional.