Blog
What Is The Difference Between Chapter 7 And Chapter 13?
Posted on November 25th, 2014 by Joe Pioletti
Dealing with a financial crisis is stressful and frustrating. By the time people come to our office to discuss Chapter 7 and Chapter 13 bankruptcy options, they have typically tried everything they can think of to pay their bills from getting part-time jobs to selling their property and dipping into their retirement accounts. We encourage […]
What Is A Chapter 7 Bankruptcy?
Posted on November 18th, 2014 by Joe Pioletti
Chapter 7 Bankruptcy is one type of bankruptcy that individuals, couples and businesses may file under the Bankruptcy Code. If a business files for Chapter 7 bankruptcy relief, the business closes and the assets are liquidated by the Chapter 7 Trustee. Individuals who file under Chapter 7 are often worried about losing assets because Chapter […]
Mandatory Credit Counseling and Debt Education
Posted on November 11th, 2014 by Joe Pioletti
When Congress passed The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), there were many changes to the Bankruptcy Code. One of the controversial changes was the requirement that debtors must complete mandatory credit counseling and debt education courses in order to file bankruptcy and obtain a bankruptcy discharge. These courses are an […]
Drivers Hang onto License After Ticket
Posted on August 21st, 2014 by Joe Pioletti
People will be happy to know that effective January 1st 2015 drivers who are ticketed in Illinois for a petty traffic offense will be able to retain their driver’s license before the ticket is paid. Prior to this drivers were forced to turn over their license as security that they would pay the ticket.
US Regulator Takes Aim at Debt Collectors
Posted on August 6th, 2014 by Joe Pioletti
The Wall Street Journal recently released a story that the U.S. Consumer Financial Protection Bureau, or CFPD, is taking aim at a large debt collection law firm. The CFPD is a segment of the Executive Branch of the US government who is charged with enforcing federal consumer financial laws. The recent law suit filed by […]
DUI Charge for Prior Marijuana Use
Posted on July 10th, 2014 by Joe Pioletti
Illinois residents do not have to be impaired to be guilty of DUI. Use of marijuana days, or even weeks, before an arrest could be enough to constitute the offense. Under Illinois law, a person is guilty of DUI if he or she drives under the influence of any drug or combination of drugs to […]
Law Would Allow Speed Cameras State-Wide
Posted on June 3rd, 2014 by Joe Pioletti
Automated traffic enforcement cameras used to enforce speed limits may be coming to a community near you very soon. Currently, Illinois law allows for speed cameras in Chicago only. However, new proposed legislation would allow for statewide use. The bill, known as HB 4632, is currently before the Illinois House of Representatives. The bill’s intent […]
Cops on the Prowl for Summer Camp Goers
Posted on May 28th, 2014 by Joe Pioletti
Since its start in 2001, the Summer Camp Music Festival, held in Chillicothe, IL, has been providing good music and great times to concert-goers from across the country. Unfortunately, these good times come to an abrupt halt for a choice few of the roughly 15,000 attendees each year because of drug arrests that occur in […]
Bankruptcy Basics: Chapter 7 and Chapter 13
Posted on May 26th, 2014 by Joe Pioletti
No one is immune to financial troubles, and an onslaught of unexpected events can turn even the most responsible consumer’s finances on their head. While other options, such as debt settlement and consolidation exist; for some, filing for bankruptcy might be the only way out of a tough situation. Once an individual has filed for […]
Cheated by a Landlord over a Security Deposit?
Posted on May 12th, 2014 by Joe Pioletti
When it comes to security deposits many landlords simply don’t get it. They consider it their own money as soon as they receive it at the beginning of a lease. They think that security deposit money is theirs to use on regular everyday upkeep of the unit. It’s not, that’s what rent money is for. […]