Chapter 13 Bankruptcy Attorney Chicago, IL | File Chapter 13 in 1 day


COVID-19 has changed the landscape of Bankruptcy Law in Illinois. Robert J. Adams & Associates remains open to assist you through these challenging and confusing times. We are offering Remote Filings to Facilitate Our Clients.

$0 Up-Front (no down payment)* Your case can be filed almost immediately. Coming to the office is your choice. Many cases filed over the phone and/or by video For Immediate debt relief Call now: (312) 724-5650 *We advance the filing fee for qualified wage earners.

Robert J. Adams & Associates

Chapter 13 Bankruptcy

Working but living paycheck to paycheck? Have you fallen behind on your house payments or let other bills slide? You are not alone. A recent study shows that 60 percent of American households cannot absorb a $500 unexpected expense.

If you can’t make ends meet and your debts are mounting, you are probably getting harassing phone calls from bill collectors. You may be in danger of losing your home or your car, or having your wages garnished. Chapter 13 bankruptcy can protect you from creditors in exchange for a monthly payment plan.

Call Today And Sleep Better Tonight!

Call For Your Complimentary Consultation
(312) 724-5650

What Is Chapter 13 Bankruptcy?

Filing for Chapter 13 does not erase your debts. It does provide immediate relief from creditors and allows you to repay part of your debts over a period of several years. You may be a candidate for Chapter 13 bankruptcy if:

  • Your income is too high for a Chapter 7 bankruptcy
  • You need to catch up on your mortgage
  • You want to keep assets that would be forfeited under Chapter 7

In Chapter 13, a bankruptcy trustee examines your income, expenses and debts to determine a monthly amount that you can afford to pay. If you make all the payments for 36 months or 60 months, the rest of your unsecured debts are forgiven.

On the date that you file for bankruptcy protection, creditors must stop collection actions, including garnishment, repossession and foreclosure. They cannot call you or take you to court. Chapter 13 allows you to keep all of your property.

Read more in our Bankruptcy FAQ and bankruptcy blog.

Additional Benefits Of Chapter 13

  • Filing for bankruptcy can delay foreclosure proceedings to catch up on the mortgage or buy time for alternative solutions. If you are able to keep current with the house payments, the arrears can be rolled into your Chapter 13 plan.
  • If you owe more than what your home is currently worth, Chapter 13 may allow you to discharge a second mortgage on your home.
  • If you owe more than what your car is currently worth, Chapter 13 can restructure your auto loan to make it more affordable.

Are You Ready For Relief?

Our attorneys have helped hundreds of Illinois families get out of debt through bankruptcy. We prepare your filing and negotiate with the trustee to make sure that your monthly payments are reasonable. If you qualify, we can even start your bankruptcy filing with Low Cost Options.

Contact us today to arrange a Complimentary consultation with our experienced bankruptcy attorneys to file chapter 13 in 1 day. We have offices in the Chicago (West Loop) and Waukegan.

Call For Your Complimentary Consultation
(312) 724-5650