To put it mildly, struggling with crushing debt can be stressful. If you’re in that situation now, then you’re probably riddled with anxiety, and you might experience bouts of depression as you try to get a handle on the uncertainty of your future. Even when you’re...
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personal bankruptcy
Tips for rebuilding after a successful bankruptcy
Personal bankruptcy is a real way to secure debt relief. If you successfully file a Chapter 7 or Chapter 13 bankruptcy petition, then you can secure more manageable debt payments and even rid yourself of overwhelming debt. That probably sounds good to you, but if...
Illinois bankruptcy exemptions
Many people fear that they will be left with nothing after they file for bankruptcy protection under Chapter 7 of the U.S. Bankruptcy Code. Fortunately, this is not the case. Illinois provides several important exemptions to bankruptcy that can let you keep your most...
Can you sue a debt collector who is harassing you?
Dealing with overly aggressive debt collectors can be very stressful. If you feel they are crossing the line and harassing you, you might be able to seek legal action to protect yourself. What is harassment by debt collectors? The law compels debt collectors to follow...
What Happens If I Marry Someone Who Filed Chapter 7?
Marrying someone is a significant life decision that requires careful consideration. Beyond compatibility as partners, looking into each other's financial circumstances is also important. For example, if you are planning to marry someone who has filed for Chapter 7...
Are debt collectors harassing you over the phone?
Debt collectors calling consumers over the phone is mostly an accepted practice. Harassing borrowers, however, is not. The law provides guidelines on how debt collectors can do their job. If they do the following, they are likely committing harassment. Calling at...
Understanding Chapter 7 and Chapter 13 bankruptcy
The cost of housing, groceries and essentials is rising every day and sometimes, despite their best efforts, people are unable to make ends meet. They may turn to credit cards or loans to bridge the gap. Although it is no fault of their own, if they are unable to make...
If I file bankruptcy, will I lose my house?
If you are a homeowner in Illinois who is struggling with debt and considering filing for bankruptcy, you may be worried about losing your home and vehicle. Depending on your situation, you may be able to keep your property and get a fresh start. Two main types of...
A growing number of people face overwhelming credit card debt
Credit cards are a common way for people to purchase items they need or want. Some may overextend themselves. In Illinois and across the United States, as credit card debt increases and money becomes tighter, there is growing concern as to how people will make ends...
Creditor harassment illegal under the FDCPA
Due to the unexpected challenges of the past few years, many Americans have fallen on hard times, and as a result, are having trouble paying off their debt. To make matters worse, some people are facing additional stress due to harassment and abuse from creditors...