Free consultation · Zoom meetings & telephone conversations
BANKRUPTCY & DEBT RELIEF
ILLINOIS BANKRUPTCY & DEBT RELIEF
A structured approach when you need time to address debt and keep important obligations on track.
Chapter 13 allows eligible individuals with regular income to propose a court-supervised plan. Plans generally last three to five years. What you must pay depends on income, allowable expenses, property, debt types, and legal requirements. There is no universal ten-percent minimum for general unsecured claims.
A timely filing may pause foreclosure and allow eligible arrears to be addressed through a plan. Keeping the property generally also requires ongoing mortgage payments. Prior filings, sale timing, and other circumstances can limit relief; identify any scheduled sale at the start of the consultation.
A realistic budget matters. Gather evidence of income, housing costs, transportation, medical needs, support obligations, and other recurring expenses. Discuss likely changes instead of basing the plan on an unusually good month.
Bauer Law serves Joliet from its Bolingbrook office, with Zoom and telephone consultations available. Bring your actual county of residence and any state-court papers. Choosing an attorney and determining court requirements are separate from where you have your first conversation.
Not necessarily. Some obligations may be paid directly or have separate requirements. The proposed plan and applicable rules determine the treatment.
No. That shortcut leaves out legal requirements and differences among debts. A proposed payment needs an individual calculation.
Contact your attorney promptly. Changes may require a review of the plan and possible court action.
Chapter 7 and Chapter 13 meetings of creditors in the Northern District of Illinois, Eastern Division are ordinarily held by Zoom. We help you understand how to join, prepare your documents, and follow the trustee’s instructions. Exceptions may be authorized, so follow the notice for your case.
General information; application depends on your circumstances. Ask an attorney before acting on a legal deadline.
LET’S TALK THROUGH IT
Meet with Gerald Bauer Jr. by Zoom or telephone.
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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