Illinois Credit Card Debt Attorney
When a creditor threatens to take you to court for a debt owed, you face the possibility of a court-ordered collections account, into which a portion of your pay must be paid until the full amount of the debt can be repaid. No matter how far into the process your creditor has taken the legal action, filing Chapter 7 or Chapter 13 bankruptcy will put an automatic stay (stop) of execution on the collections actions.
The Law Offices of Chad M. Hayward, P.C., is ready to help you prevent collections actions. We are recognized as one of the prominent bankruptcy law firms serving individuals and families throughout the Chicago metro region and communities throughout Illinois. Arrange a free consultation to discuss your personal debt situation with us right away. Attorney Chad Hayward will explain your options and our efficient, cost-effective way to help you avoid serious consequences, including a judgment against you. A judgment is a court ruling ordering you to repay the amount you owe. A legal judgment gives your creditor a range of rights to take severe collections actions, including wage garnishment, informing your employer and a lien against your personal property.
We offer a free consultation to discuss your financial situation and show you the options you have under U.S. bankruptcy laws. Contact us with questions.
- Chapter 7 bankruptcy: We will apply the bankruptcy means test to determine whether you are eligible to eliminate your debt.
- Chapter 13 bankruptcy: There are many advantages to restructuring your debt under a court-supervised plan. All legal collections actions against you stop the day you file.
- Preventing foreclosure: Even if you are only one day away from your final foreclosure hearing, filing bankruptcy will put a stay of execution on any further actions taken by your bank.
- Eliminating a judgment: If your creditor has already received a judgment against you for repayment of a debt, you can include the debt in your bankruptcy petition. The debt can be restructured under Chapter 13 or eliminated under Chapter 7, although removing the judgment from your record will require a separate legal action.
Free Consultation · Se Habla Español · Credit Cards · Payment Plans May Be Available
If you are ready for a fresh start, talk to an experienced Chicago collections account lawyer. We are ready to help. Illinois bankruptcy attorney Chad Hayward represents clients in the Chicago metro region and communities throughout Illinois.
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.
