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Every year, people throughout Illinois struggle with overwhelming debt. Credit card bills, car loans and home mortgages can become impossible to pay. For many, losing a job or suffering from a medical condition can make a difficult problem worse. Whatever led to your debt, bankruptcy can offer relief.
We understand the difficult situation you are facing and will help you decide if filing for bankruptcy is right for you.
Contact Lincoln T. Scott to schedule a free consultation to discuss your debt concerns. Because he offers flat fees for bankruptcy, you have the freedom to meet with him as often as you want without worrying about high hourly fees.
Over the years, we've heard all the myths about bankruptcy. Our clients deserve to know the truth:
It is not an admission of defeat.
It does not make you a bad person.
It is nothing to be ashamed of.
It can give you a fresh financial start and end creditor harassment.
Chapter 7 "liquidation" bankruptcy allows you to completely discharge your unsecured debt such as credit cards and medical bills. Debt from mortgages or vehicle loans cannot be discharged, but we may be able to help you negotiate with the lender to keep your property.
Chapter 13 "reorganization" bankruptcy gives you the opportunity to create a payment plan that you can afford. Chapter 13 bankruptcy can help you keep your home, manage your debt and get a fresh start once the plan ends.