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Chicago Bankruptcy Filing — Chapter 7, Chapter 13 & Chapter 11

If you are struggling with overwhelming debt, bankruptcy may be the right solution for you. At Joyner Law Office, we help individuals and families throughout Chicago and Cook County understand their options and file for bankruptcy protection. Attorney Veronica D. Joyner has more than 20 years of experience guiding clients through every step of the process.

A Bankruptcy Filing Can Help You By...

Saving your home from foreclosure

Saving your car from repossession

Stopping wage garnishment immediately

Reinstating or keeping your driver's license

Eliminating credit card debt

Eliminating medical debt

Stopping utility shut-offs

Stopping creditor harassment

Helping you get a fresh start so you can move forward in life

What Is Bankruptcy?

Bankruptcy is a legal process that allows individuals and businesses to eliminate or restructure their debts under the protection of the federal bankruptcy court. Filing for bankruptcy triggers an automatic stay, which immediately stops most collection actions against you — including foreclosure, wage garnishment, repossession, and creditor harassment.

Chapter 7 Bankruptcy — Liquidation

Chapter 7 is often called a liquidation bankruptcy. It allows eligible filers to discharge most unsecured debts — such as credit card balances and medical bills — relatively quickly, usually within three to six months. To qualify, you must pass the means test, which compares your income to the median income in Illinois. Most filers keep all of their property thanks to Illinois exemptions.

Chapter 13 Bankruptcy — Reorganization

Chapter 13 is a reorganization bankruptcy that lets you keep your property while repaying some or all of your debts over a three-to-five-year plan. It is especially useful for homeowners who want to save their homes from foreclosure by catching up on mortgage arrears through the repayment plan. The automatic stay stops foreclosure the moment you file.

Chapter 11 Bankruptcy

Chapter 11 is primarily used by businesses but is also available to individuals with very high debt levels. It allows for a comprehensive reorganization of debts and business operations. Attorney Joyner can help you determine whether Chapter 11 is the right path for your situation.

Who Qualifies for Bankruptcy?

Most individuals who are overwhelmed by debt can qualify for some form of bankruptcy protection. The type of bankruptcy you qualify for depends on your income, assets, and the nature of your debts. We offer a free initial consultation to help you determine which chapter is right for you.

The Bankruptcy Process

The process begins with a free consultation at our downtown Chicago Loop office at 120 South State Street. We will review your financial situation, help you gather the necessary documents, and file your petition with the bankruptcy court. We guide you through every step — from the initial filing to the discharge of your debts. Se Habla Español.