Why Us?

Robert J. Adams & Associates – Bankruptcy Attorney In Chicago

Bankruptcy is a legal remedy if you are unable to pay your debts.

An experienced bankruptcy attorney can help you make the best decision.

Are you a victim of our troubled economy? There is a great deal of misinformation out there about credit problems and how to solve them. If bankruptcy is the appropriate recourse for you a good lawyer can explain the best bankruptcy option available to you.

You may want to get rid of your debts and get a fresh start or, you may want to save your assets, such as a house or a car. If so, book an appointment with us. We will guide you through the process. Our sole mission is to help you find what is best for you.

Why Hire Robert J. Adams & Associates?

There are many good reasons why Robert J. Adams & Associates is the best firm for you.

• 40 years of time-tested experience in bankruptcy law.
• Providing Complementary as well as confidential consultations
• Meeting an experienced Consumer Rights Lawyer and laying out the best option for you.
• We will help you with getting your free credit reports
• 100% dedicated attention to your case
• We are not a “bankruptcy mill.” We do not have sales quotas.
• Compassionate as well as empathetic attitude towards clients
• Precise talk, as time is the fundamental factor to consider in such sensitive cases. Every single second is valuable.
• Keeping you in the loop with regard to the case as it advancements
• Sincere and updated advice in the best interest of the clients.
• Our mission is to help you in regaining your financial freedom
• We give top priority to our client. Proof: 80% of our clients are referrals

How Can The Lawyers At Robert J. Adams & Associates Help You Understand The Bankruptcy Laws?

There are various types of Bankruptcy available to you:

You are best served when you get advice on Chapter 7 or a Chapter 13.

Chapter 7

You file Chapter 7 to get a discharge of debts and save the property you want to keep. You can reaffirm your car loan and/or mortgage.

Chapter 7 has limits. Some debts can’t be discharged. One may have assets over and above exemptions. You may be behind on a car not or a mortgage. For some “high earners” there is the Means Test. Or, you may have had a Chapter 7 within the last 8 years. Sometimes Chapter 13 is a better option.

The lawyers at Robert J. Adams & Associates will give you answers you need and offer the best option available for you.

Chapter 13

Chapter 13 is a repayment plan. It can effectively deal with your debts when Chapter 7 is not possible or is not you in your best interest.

When is Chapter 13 the better option?

1. You can’t catch up a car payment. And, you need your car;
2. You are behind on your mortgage. And, you want to keep your house. Chapter 13 is available even if there is a foreclosure.
3. Parking tickets, red light tickets and tollway debts can’t be wiped in Chapter 7. They can be discharged in Chapter 13.
4. You owe Real Tax taxes. The taxes can be paid over time. This is true even if the taxes have been sold and the date of Redemption is coming up;
5. Some but not all IRS debts can be wiped out in Chapter 7. Chapter 13 lets you pay the IRS over time;
6. Some individuals have income far excess of the Means Test threshold. We have helped clients still pay a small dividend in Chapter 13;
7. The timing of a prior Chapter 7 or Chapter 13 doesn’t allow Chapter 7 now. Chapter 13 is still available and usually with very small payments; and,
8. There are other times when a Chapter 13 is a better fit for you.

Most of our clients pay a small dividend to unsecured debts. We work hard so our clients pay a Chapter 13 payment that fits their budget. We are on your side: not the creditors.

Take advantage of our complementary consultation. We have had years of finding the best solution for clients.

Bottom line: you do best consulting with an experienced and seasoned lawyer. Call Robert J. Adams & Associates in Chicago, IL.

We have lawyers who assist folks with all kinds of debt problems.

For a debt-free NEW START, call at (312) 724-5650 today. Talk to our experienced Chicago bankruptcy lawyers. We can aid you in getting out of financial nightmare. Most Chapter 7 and Chapter 13 case are filed with small or no down payments.