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Robert J. Adams and Associates

Can I File a New Bankrutcy? Chapter 7 or Chapter 13?

This article is only about timing: not whether you can otherwise or should file a bankruptcy and, it is about individuals who have previously filed a bankruptcy: either Chapter 7 or Chapter 13. Also, the operative dates are the date of filing the prior case and not the date of discharge and, the following rules apply when you filed a prior case and received a discharge. If the case was dismissed it doesn’t count.
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Robert J. Adams & Associates

What Triggers A Foreclosure?

In Illinois, a home owner has 30 days after he or she has a notice of intent to foreclose notice by mail before a foreclosure suit can be filed.
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Robert J. Adams & Associates

Student Loan Debt

One of the most common questions we get is whether student loans are dischargeable. And we have to be the bearer of bad news — no, you cannot get rid of school loans in bankruptcy.
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Robert J. Adams and Associates

What Is A Chapter 7 Bankruptcy?

A chapter 7 bankruptcy is a filing with the U.S. bankruptcy court to obtain a discharge of listed debts. In other words, at the end of the bankruptcy, the debts listed you will not be owed money anymore.
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