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Personal Bankruptcy

If you are stuck in a desperate financial situation, please know that there is no shame in filing personal bankruptcy. The most common types of expenses causing people to file for bankruptcy are credit card bills, medical bills, payments due from lawsuits, identity theft, fraud victims, a reduction of income and trouble with financially irresponsible family members. The vast majority of bankruptcy filers are honest people who simply fell on some hard times.

Bankruptcy may be a better financial decision than remaining in serious debt. Perhaps just as important, filing for personal bankruptcy will stop all creditor harassment, garnishments and foreclosures. There are two main options for consumer bankruptcies:

Chapter 7 bankruptcy: Chapter 7 bankruptcy gives you a fresh start by wiping out your debts. However, in October 2005, the bankruptcy laws changed, making it more difficult for a consumer to file for bankruptcy. We will explore your options for a Chapter 7 before trying a Chapter 13. Our Chapter 7 bankruptcy lawyer can assist you in determining if a Chapter 7 bankruptcy is an option and with filing a petition.

Chapter 13 bankruptcy: Chapter 13 bankruptcy reorganizes your debt by putting all of your debts into one consolidated repayment plan. Our Chapter 13 bankruptcy attorney can assist you with the determining if a Chapter 13 bankruptcy is right for you and, if so, help you file a petition.

Due to bankruptcy reform, attorneys will have to e-file bankruptcy petitions online, which will save time and money. However, some lawyers are not certified to e-file bankruptcy petitions online. At O’Grady Law Office, P.C., we are fully certified to e-file bankruptcy petitions online.

Our firm has helped many people in the Chicago area with filing bankruptcy. Unlike many large bankruptcy law firms, we will give you the close, personal service you need at this difficult time. We will explore your options and determine if bankruptcy or some other option is your best solution.

To discuss your options with an experienced personal bankruptcy attorney, please schedule a free phone consultation to assess your needs by calling (312) 338-1808 or filling out our intake form located on our Contact Us page. Help is a phone call away.

Client Reviews

In this difficult and challenging landscape of immigration law one attorney stands out as one who can get the job done. Julie O’Grady. She is relentless in pursuit of a successful resolution for her clients. A disciplined researcher, she left no stone unturned in her successful bid to obtain a visa...

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