Future Plans

Doing a lot of bankruptcy and foreclosure defense law has kept me unbelievably busy over the past few years. I am glad I have the proper skill set and 23 years of practice experience to call on to help my clients who, for the first time in their lives, have lost homes and jobs. Still, it scares me as to what has caused all of this economic turmoil, where we are now heading as a nation, and whether something like this will ever happen again.

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It’s Never Too Late to Start Over

People who have gone through divorce, death of a loved one, and job loss eventually learn that you can always go back and start again. With a bankruptcy, you can hit the “reset” switch on your finances, and start over. The worst thing to do is do nothing. Not to decide is to decide. Take control of your finances, or your creditors will be forced to do so. Why not be in control? Remember…it’s never too late to start over!

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Know Your Rights

It is important to know your rights. Chapter 7 and Chapter 13 bankruptcy law is governed by federal law. Additionally, Illinois state law defines certain exemptions that you can claim when filing for bankruptcy. One of the more amazing features of a bankruptcy filing is the “automatic stay”. You have the right to be left alone, to have some “breathing room” during the course of your bankruptcy. When you file for bankruptcy, an automatic stay is imposed. The automatic stay prevents creditors from contacting you...

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