We Help Our Clients Navigate The Bankruptcy Process

Enduring a troubling financial situation can be confusing and emotionally draining. Fortunately, with the guidance of an experienced bankruptcy attorney, you can navigate through your case with minimal effort and stress, allowing you to obtain the fresh start you deserve.

Niles Lawyer Representing Clients Throughout The Chicagoland Area

At the Law Office of Scott C. Polman in Niles, Illinois, my experience and knowledge of the bankruptcy process will help you maximize the benefits you receive from your case. To learn how you can gain a fresh start, contact my law firm today. Schedule an initial consultation if you're interested in exploring your debt-free options.

What Debts Are Eliminated?

It's important to understand which debts will be eliminated through a discharge order in bankruptcy. While each case is different, and your individual results may vary, you can typically expect to eliminate all unsecured debts, including those related to:

  • Credit cards
  • Medical bills
  • Personal loans
  • Other unsecured debts

What Debts Are Not Eliminated?

Some common types of debts which are not eliminated by the Chapter 7 discharge order include:

  • Debts for recent income taxes
  • Debts that are domestic support obligations (such as child support, maintenance, etc.)
  • Debts for most fines, penalties, forfeitures, or criminal restitution obligations
  • Debts for most student loans

The Steps In The Bankruptcy Process

Once you've made the decision to file for bankruptcy, you may wonder about the initial steps in the process. First, a credit counseling course must be taken before your case is filed, and then a financial management class is required post-filing. However, I guide you through both of these requirements, and for your convenience, these courses can be taken online or by telephone.

Once your case is filed, a Section 341 Meeting of Creditors is scheduled, usually within four to eight weeks of the filing date. Rest assured, this isn't as worrisome as it sounds. I'll be with you at the meeting to ensure that your rights are protected. More often than not, the meeting of creditors is a relatively quick and straightforward procedure, and creditors rarely attend.

In most cases, you'll receive your discharge order 60 days after the meeting of creditors. At that point, your case will be closed, your debts will be discharged, and you'll be well on your way to a renewed financial beginning.

Contact My Niles Debt Discharge Law Firm

Contact my office online or call 847-292-1989 to schedule an initial consultation to discuss your specific Chapter 7 or Chapter 13 bankruptcy questions or concerns. As a member of the National Association of Consumer Bankruptcy Attorneys, I know what it takes to help you climb out of debt.

BAPCPA disclosure: My firm is a debt relief agency as designated by federal law. We help people file for bankruptcy relief under the Bankruptcy Code.