Chicago Bankruptcy — Chapter 13 & Chapter 7 Filings
Chicago Bankruptcy — Chapter 13 & Chapter 7 Filings
Joyner Law Office helps Chicago and Cook County residents file for bankruptcy under Chapter 7 and Chapter 13. Whether you need to eliminate debt quickly or save your home from foreclosure, Attorney Veronica D. Joyner will guide you through every step of the process.
Chapter 7 — Liquidation Bankruptcy
Chapter 7 bankruptcy eliminates most unsecured debts — including credit card balances, medical bills, and personal loans — within 3–6 months. To qualify, you must pass the means test, which compares your income to the Illinois median. Most clients keep all of their property through Illinois exemptions. Chapter 7 is the fastest path to a debt-free fresh start.
Chapter 13 — Reorganization Bankruptcy
Chapter 13 bankruptcy allows you to keep your home and other assets while catching up on mortgage arrears and other secured debts through a court-approved 3–5 year repayment plan. It is the most powerful tool available to stop foreclosure and save a home. Chapter 13 also allows you to discharge unsecured debts that remain after the plan is completed.
Chapter 11 — Business and High-Debt Reorganization
Chapter 11 is typically used by businesses, but individuals with debts exceeding Chapter 13 limits may also file. It allows for complex debt restructuring and is handled on a case-by-case basis. Attorney Joyner can advise you on whether Chapter 11 is appropriate for your situation.
Emergency Bankruptcy Filings
If you are facing an imminent foreclosure sale, wage garnishment, or repossession, Joyner Law Office can file an emergency bankruptcy petition — sometimes within 24 hours — to trigger the automatic stay and stop collection actions immediately. Call or text 312-332-9001 right now if you have an emergency.
Which Chapter Is Right for You?
The right chapter depends on your income, assets, the types of debt you carry, and your goals. Attorney Joyner will review your complete financial picture during your free consultation and recommend the option that gives you the best outcome. There is no one-size-fits-all answer — every client's situation is unique.
Call or text us today for your free bankruptcy consultation.
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Joyner Law Office120 South State Street
Chicago, Illinois 60603
