Save My Car The loan company kept calling me and threatening to take the car unless I got caught up right away. I need my car for work, and I lived in fear of losing the car.

Save My House Suppose you fall behind on your mortgage payments. Maybe your furnace just died, and you have to choose between getting your heat working or paying the mortgage

Stop Paycheck Garnishment Rent is due at the end of the week, but you just got a letter that your employer is about to start garnishing your paycheck to pay for a credit card debt.

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Does this describe you? Constantly increasing the balance on your credit card? Spending most of your money on bills each month with nothing left for you? Unable to obtain additional credit because you have too much debt? Using credit cards to pay necessities such as food, utilities, insurance, etc.? Paying your bills late or alternating payments every other month? Frustrated because your credit balances are not going down? Tired of paying outrageous interest rates? Noticing stress in family relationships when money and bills are discussed? Not answering the phone because creditors and/or collection agencies are calling? Losing sleep because you don't know how you're going to pay your bills?

BANKRUPTCY SOLUTIONS TO PROTECT YOU FROM: Creditor Harassment Wage Garnishment Foreclosure Credit Card Debt Medical Bills Repossession Lawsuits Gambling Debts Parking Tickets              FREE CONSULTATION WITH AN ATTORNEY WAUKEGAN CHICAGO GRAYSLAKE        847-223-5500               312-361-0170             847-223-5500       Why you should call Robert J. Adams & Associates

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Blog

• Separate Fact from Fiction

•   There is a common but false assertion that bankruptcy automatically disqualifies you from getting a mortgage for at least 10 years. This is untrue. In fact, you can be in the middle of a Chapter 13 proceeding and still receive an FHA home loan.  There is also the incorrect notion that getting a credit [...]

• Choose the Right Credit Card

•   Not all credit cards are created equal. A key step in rebuilding your credit rating is to obtain a secured credit card. A secured card is one that essentially allows you to borrow from yourself. You deposit a set amount of money, $500 is common, and that becomes your credit limit. Charging a small [...]

• Make a Realistic Budget and Pay Your Bills On Time

•   Even if you've never created, or stuck to, a budget before, after a bankruptcy is the time to get serious about doing so. Your budget is a spending plan and helps you manage your cash flow to prevent acquiring new and unnecessary debt.  When creating a budget, remember that the goal is to live [...]

• Unpaid bills ruin your credit; bankruptcy helps you restore it!

•   If you're considering filing for Chapter 7 or Chapter 13, you're probably feeling a lot of pressure and maybe even anxiety. For those who use the right strategies, bankruptcy offers a second chance, not a miserable end. Ultimately, how well you rebound from bankruptcy depends on the steps you take to avoid future catastrophe. [...]

• Life After Bankruptcy

•   It's not the end, it's a new beginning!  We are force-fed a wide array of myths and misconceptions about how awful life after bankruptcy will be. Despite what you may hear, it's important to realize that there is life after bankruptcy.  It doesn't have  to be one in which you're treated like a financial [...]