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Bankruptcy

Have you been asking yourself these questions lately?
  • I don't know how I will ever get out from under all of this debt?
  • How can I get these creditors to stop calling and harassing me?
  • I would pay the bank or credit card company back if I could, but I lost my job.
  • How am I going to get to work since they repossessed my car?
  • How will a bankruptcy affect my spouse?
  • Will a bankruptcy hurt my long term credit report?
The Law Office of Jonathan W. Cole can answer these questions and more. Doesn't it make sense to speak to an attorney who understands your position and can offer solutions to help? Let's be honest, we have seen commercials for the "Bankruptcy Mills" and thought; what difference does it make which attorney I use?

Did you know that Illinois Courts have reprimanded at least one of those firms for not even communicating with the creditors? Those bankruptcy firms are so interested in filing the most bankruptcies as possible that they get sloppy and skip steps, which may put your bankruptcy in jeopardy. Call the Law Office of Jonathan W. Cole and speak with an attorney who will take their time and do the job right, the first time, every time.

Chapter 7

Chapter 7 is the most common type of bankruptcy. The purpose is to give you a fresh start and give you a chance to begin again financially. Chapter 7 bankruptcy wipes out most of your unsecured debt. It also stops all collection actions by creditors, including those annoying calls.

Chapter 13

Chapter 13 was created to help debtors save their home and car. It is designed so that a debtor can pay back their creditors over time, in a reasonable fashion.

The Law Office of Jonathan W. Cole can help consolidate all of your debts (including credit card balances), often removing the interest aspect. Chapter 13 repayment plans typically run for three to five years. A chapter 13 can stop a foreclosure as long as you file before the "Sheriff's Sale." Filing a chapter 13 can stop them from taking your car through repossession as well.

We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code.
Information provided in this website is for informational and advertisement purposes. The information contained here should not be construed as legal advice. Each case is different, and the proper steps to proceed with a case is specific to the facts of every situation.