Chicago Past Bankruptcy Lawyer
If you have a past bankruptcy on your record, but are considering filing again, schedule a free consultation with attorney Chad Hayward to discuss your circumstances. Although there are generally waiting periods required between bankruptcy filings, special situations may make it possible to file again, or there may be other debt relief options the Law Offices of Chad M. Hayward, P.C., can help you with.
General Waiting Period Before You Are Eligible to File
Generally speaking, the law requires that you cannot file to discharge your debts under Chapter 7 bankruptcy until a minimum of eight years has passed since the date of the previous discharge. However, if you are nearing the mandatory eight-year period, it is a good idea to start the process early. You may be required to hold off on formally filing your petition until the mandatory waiting period is over, or we may be able to work your claim through the system to have the time limitations waived.
If you are considering filing for Chapter 13 bankruptcy, or if you are not eligible for Chapter 7 because of the bankruptcy means test or because of the mandatory waiting period, you may file as soon as four years after the date of discharge for your previous Chapter 7.
In the event you have a previous Chapter 13 on your record, you are eligible to file again any time after you have successfully completed your court-supervised Chapter 13 repayment schedule.
Don't Assume You Aren't Eligible Because of a Previous Bankruptcy Filing
Filing requirements for Chapter 7 and Chapter 13 bankruptcy are complex and the Chapter 7 process and Chapter 13 process is unique for every individual and family. There are many bankruptcy myths that the creditors want you to believe. Don't assume anything about what a previous bankruptcy will do to your credit report, or your eligibility for filing again.
If you are ready for a fresh start, we are ready to help. Illinois bankruptcy attorney Chad Hayward represents clients in the Chicago metro region and communities throughout Illinois.
Free Consultation · Se Habla Español · Credit Cards · Payment Plans May Be Available
Reach us to schedule an appointment at any one of our local community offices by calling 312-546-4689 or toll free 888-804-8641.
Chicago
Aurora
Joliet
Schaumburg
Palos Heights
Northbrook
Oakbrook
St. Charles
You can also contact us by e-mail with a brief description of your legal problem. We look forward to helping your family get the fresh start from debt you need and deserve.
