Chicago Fair Debt Collections Attorney
Imagine what it would be like to go to bed knowing that when you wake up you never have to talk to a bill collector again. If you are being harassed by collections agencies over bills that you can't pay, schedule a free consultation at the Law Offices of Chad M. Hayward, P.C. We have helped thousands of individuals and families in the Chicago metro area and communities throughout Illinois get a fresh start from debt.
Stop Collections Calls and Creditors' Legal Actions
Under provisions of the federal Fair Debt Collections Practices Act (FDCPA), the day you hire an attorney to represent you to file a Chapter 7 or Chapter 13 bankruptcy petition, all legal collections actions against you comes to an automatic stop and bill collectors are required to deal directly with your lawyer. If they call, you can advise them of your rights and tell them to call your lawyer.
Filing bankruptcy is your surest protection against illegal collections actions and harassment by creditors and collections agencies. If a bill collector violates your rights under provisions of the FDCPA after you file, you are entitled to seek money damages from them as a punishment.
During your free initial consultation, we will discuss your personal debt situation and determine whether you qualify for Chapter 7 or Chapter 13 bankruptcy under the bankruptcy means test. We will also explain the Chapter 7 process and Chapter 13 process, as well as the costs you are likely to be charged and the length of time the process will take. If you decide that bankruptcy is the right option for your family, and you qualify under the rules of U.S. bankruptcy law, we will explain our low retainer fee and may even be able to set up an affordable payment plan that meets your family needs.
Stopping Creditor Harassment Is Just One of the Benefits of Talking to Us
We will also go over some of the important things you will need to know about bankruptcy, including:
- The advantages of Chapter 7 and the advantages of Chapter 13
- How to keep your house and prevent repossession of your car
- Types of debt that can be discharged and which debts are not eligible
- The effects of bankruptcy on your credit report and ways you can rebuild your credit
- Automatic stop to any legal actions against you, such as wage garnishments and judgments
Free Consultation · Se Habla Español · Credit Cards · Payment Plans May Be Available
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.
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.
