The Lawyer to Guide You Through the Bankruptcy Process
No one should have to live in fear of creditors, but many people across the greater Chicago area live that reality every day. Whether you're struggling with credit card debt or facing foreclosure, it can feel hopeless as you struggle each month and never make any progress toward eliminating your debt, all while dealing with harassing mail and calls from creditors.
I'm attorney Scott C. Polman, and I want you to understand that you do have choices, and that you don't have to spend the rest of your life living in fear; debt does not have to consume your life. For many, filing bankruptcy is a responsible, straightforward way to achieve a fresh start.
In order to inform you about your options for bankruptcy, I will need to learn more about your individual situation. To schedule a free initial consultation, call my Niles, Illinois, office at 847-292-1989 or contact me online.
The Two Most Common Types of Consumer Bankruptcies
Chapter 7 bankruptcy, with a process usually lasting a few months, is a straight liquidation of unsecured debt. Common forms of unsecured debt are credit card debt and medical bills. For consumers who qualify based on the means test, this is often the preferred form of bankruptcy. Some types of debt are non-dischargeable, including student loans, child support, alimony and some tax obligations.
For individuals looking to save an asset, most often a home, or for individuals who do not qualify for Chapter 7, Chapter 13 may be an option. You will be required to pay back your debt under a repayment plan, usually over a 3 to 5 year period.
Get the Fresh Start You Deserve — Contact the Law Office of Scott C. Polman
Once you file bankruptcy, creditor harassment will stop and you will have the fresh financial start you need to move your life forward. You can count on me to guide you through every step of the process, from the initial paperwork and meetings through the final discharge of your debt. Contact my office online or call 847-292-1989 today to schedule a free initial consultation.
Spanish-speaking administrative services available.
BAPCPA disclosure: my firm is a federally designated debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
