Stop Harassment – Chapter 7 Bankruptcy

Crystal Lake, Woodstock, McHenry Illinois

There are several options for stopping bill collector harassment through bankruptcy. An attorney from the Pratt & Maegli Law Firm can help you decide which option is right for you.

Stop Harassment Through Chapter 7 Bankruptcy

Filing Chapter 7 Bankruptcy wipes out debts and immediately stops harassing phone calls and letters from bill collectors. Chapter 7 Bankruptcy relieves you of the financial burden of past due bills by wiping out (discharging) all debts which by law are allowed to be eliminated. Dischargeable debts include credit card bills, medical bills, judgments obtained by creditors, personal loans, business type debts, and commercial and residential leases. Sometimes even tax debts can be classified as dischargeable debts.

If we determine that filing Chapter 7 Bankruptcy is right for you, your attorney from the Pratt & Maegli Law Firm will work with you to obtain the information necessary to prepare your Chapter 7 Petition and Schedules and file them with the courts. Your creditors are notified and the harassment stops.

More info on Chapter 7 Bankruptcy

Stop Harassment Through Chapter 13 Bankruptcy Filing Chapter 13 Bankruptcy is another way to stop

Filing Chapter 13 Bankruptcy is another way to stop collection calls and letters. Chapter 13 Bankruptcy is designed for individuals wish to keep their houses or autos but have been unable to make their payments on time. If Chapter 13 Bankruptcy is the right choice for you, an attorney from the Pratt & Maegli Law Firm will help you through the process of entering into a court approved payment plan that lowers your debt to an amount that is affordable. Your debts are reduced (sometimes by up to 90% or more!) and consolidated. You make one affordable monthly payment to the court appointed bankruptcy trustee each month for the next three to five years. The trustee distributes this payment to your creditors and you receive a discharge of your debts when you have made all of the plan payments.

Remember that other debts, such as non-dischargeable priority debts, will still need to be paid in full. These include child support, maintenance/alimony, taxes, and criminal fines.

More info on Chapter 13 Bankruptcy

Put an end to the harassment! Contact the Pratt & Maegli Law Firm today for your free consultation. We will be happy to talk with you about your specific situation and help you decide if filing for Chapter 7 or Chapter 13 Bankruptcy is right for you.

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5411 E. State Street, Suite 202
Rockford, IL 61108

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5411 E. State Street, Suite 202, Rockford, IL

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The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. Disclaimer: The Pratt & Maegli Law Firm, P.C. is a Debt Relief law firm as defined by 11 U.S.C. 528. We help people file for Bankruptcy Relief under the Bankruptcy Code. We do not guarantee any result and prior results do not guarantee a similar outcome. This is an attorney advertisement and this website is for informational purposes only.