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BANKRUPTCY & DEBT RELIEF
ILLINOIS BANKRUPTCY & DEBT RELIEF
See the differences, then talk through how they apply to your circumstances.
A starting point for discussion, not an eligibility decision.
Chapter 7: Discharge of qualifying debts; trustee review of assets.
Chapter 13: A court-supervised repayment plan.
Chapter 7: Often several months to discharge; administration may last longer.
Chapter 13: Generally a three- to five-year plan.
Chapter 7: Means-testing and other eligibility requirements may apply.
Chapter 13: Regular income and a feasible plan are important.
Chapter 7: Nonexempt assets may be administered.
Chapter 13: Property and equity affect required payments.
Chapter 7: No Chapter 13-style plan to catch up over time.
Chapter 13: May allow eligible arrears to be paid through a plan.
Chapter 7: $338
Chapter 13: $313
*Court fees checked September 15, 2026; separate from attorney fees and course costs. Verify current fees before filing.
Choose a topic below for further reading. These links do not determine eligibility or recommend a filing.
General information; application depends on your circumstances. Ask an attorney before acting on a legal deadline.
YOUR NEXT CHAPTER STARTS WITH A CONVERSATION
Talk directly with Gerald Bauer Jr. about your options. Request a free consultation by Zoom or telephone.
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BANKRUPTCY & DEBT RELIEF
Bauer Law, LLC
400 N. Schmidt Rd.
Bolingbrook, IL 60440
Consultations by Zoom or telephone.
Attorney advertising. General information only; this website does not provide advice about an individual case. Contacting the firm does not create an attorney-client relationship. Results depend on the facts and applicable law. We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.
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