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Blog

Do I Qualify for Chapter 7 Bankruptcy?

Posted on July 27th, 2015 by Joe Pioletti

Do I Qualify for Chapter 7 Bankruptcy?   The question of whether a person can qualify for Chapter 7 bankruptcy became an issue in 2005 with the enactment of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). Creditors lobbied for a Means Test to be added to the Bankruptcy Code as a way of […]

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Free Report: Illinois 341 First Meeting of Creditors – What Do You Need to Know

Posted on July 10th, 2015 by Joe Pioletti

When you file bankruptcy under Chapter 7, Chapter 13, or Chapter 11 of the United States Bankruptcy Code, you are required to attend a First Meeting of Creditors. The First Meeting of Creditors is scheduled by the court 20 to 40 days after the filing of your bankruptcy case. Each debtor must appear at the […]

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Can I File Bankruptcy If I’m Being Sued?

Posted on July 7th, 2015 by Joe Pioletti

“Is it too late to file bankruptcy if I have been served with a lawsuit?” Our attorneys are asked this question far too often. Unfortunately, some people wait far too long before considering bankruptcy as a way to solve their debt problems. In some cases, they wait until they are being sued before they consult […]

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Do’s and Dont’s for Your 341 Meeting of Creditors

Posted on July 2nd, 2015 by Joe Pioletti

Do’s and Dont’s for Your 341 Meeting of Creditors from Joe Pioletti   When you file a bankruptcy case, you will be required to attend the First Meeting of Creditors. Take note of the things you should or should not do for your First Meeting of Creditors in Illinois.

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Debt Problems: Should I File A Chapter 7 Bankruptcy Case?

Posted on June 25th, 2015 by Joe Pioletti

Dealing with debt problems can have emotional and physical consequences. For many people, struggling with debt problems leads to depression, anxiety, high blood pressure, and insomnia. Answering endless calls from creditors, receiving threatening letters from collection companies, and living with the fear that you will lose your home or car is extremely frightening and stressful. […]

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Why Do I Have To Pay Back Unsecured Creditors If I Filed Bankruptcy?

Posted on June 11th, 2015 by Joe Pioletti

If you cannot afford to pay your debts, bankruptcy offers a legal means for obtaining a financial fresh start by discharging your debts. Bankruptcy cases are governed by federal law and cases are handled by a federal bankruptcy court. Filing a bankruptcy case immediately stops all collections efforts by your creditors including actions to repossess […]

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The Cost of Filing Chapter 7 Bankruptcy

Posted on June 4th, 2015 by Joe Pioletti

As you consider filing for bankruptcy relief, the cost of filing Chapter 7 is probably on the forefront of your mind. In addition to being worried about how to make ends meet, you are worried about how you can afford the cost of filing Chapter 7. A better question you may want to consider is […]

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Do I Have To Appear Before A Bankruptcy Judge?

Posted on May 26th, 2015 by Joe Pioletti

This is a common question for anyone who is considering filing a bankruptcy case. Filing for bankruptcy relief is a big step; however, it may be the best way to resolve your debt problems. People file bankruptcy for a variety of reasons including unemployment, the loss of a spouse, a failed business, or an unexpected […]

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Chapter 13 Timeline: How Long Does It Take To File Chapter 13?

Posted on May 19th, 2015 by Joe Pioletti

Have you been struggling with unpaid bills for a long time? Are your creditors beginning to take legal action to repossess your property, foreclose on your home, or obtain judgments and wage garnishments? If so, you are probably feeling an urgency to find some type of solution to your debt problems. Filing a Chapter 13 […]

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Eliminate Your Second Mortgage in a Chapter 13 Bankruptcy Case

Posted on May 14th, 2015 by Joe Pioletti

Filing bankruptcy accomplishes several goals. It stops creditor harassment, collection efforts, foreclosure, repossession, and lawsuits. However, what is more important is what bankruptcy provides to a debtor. Bankruptcy provides a fresh start and a clean slate for an individual who has been struggling to pay his or her bills while providing for the basic necessities […]

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