Best Bankruptcy Attorneys in Bolingbrook

Frequently Asked Questions

• Where do I file for bankruptcy in Bolingbrook, Illinois?

  Residents of Bolingbrook may file for bankruptcy at the Chicago office of the United States Bankruptcy Court of the Northern District of Illinois, located at 219 South Dearborn Street, Chicago, IL 60604.

• Where can I get bankruptcy forms in Bolingbrook, Illinois?

  Bolingbrook residents may get bankruptcy forms at the official website of the United States Bankruptcy Court of the Northern District of Illinois, which can be accessed here: https://www.ilnb.uscourts.gov/forms.

• Can filing for bankruptcy stop an eviction in Bolingbrook?

  Tenants in Bolingbrook who are facing eviction might be able to stop the process by filing for bankruptcy, as the “automatic stay” grants prevent all collection activities, including a landlord pursuing unpaid rent. Exemptions to this are if the tenant files for bankruptcy only after being served the eviction notice or if they have been found guilty of illegal drug use or sale at the rented unit.

• What assets are protected in a Bolingbrook bankruptcy?

  Apart from the federal exemptions, Illinois law allows Bolingbrook residents filing for bankruptcy to protect certain assets from creditors, including up to $15,000 in value for real or personal property, $1,200 for motor vehicles, and $2,000 for any personal property. They may also retain public benefits such as Social Security benefits, veterans' benefits, and unemployment compensation.

• What pensions in Bolingbrook are bankruptcy exemptions?

  Under Illinois law, the pensions of the following Bolingbrook employees are protected in filing for bankruptcy: civil service employees, public employees, sanitation district employees, public library employees, firefighters, and teachers. This also applies to police officers, general assembly members, judges, ERISA-qualified benefits, and the widows and surviving children of firefighters.

• What debts are non-dischargeable in Bolingbrook Chapter 7 and Chapter 13 bankruptcies?

  Under state law, debts that still need to be paid in filing for either a Chapter 7 and Chapter 13 bankruptcy in Bolingbrook include alimony obligations and other family support debts, fines and penalties for law violations, personal injury and wrongful death debts, and income tax debts incurred within three years prior to filing. With certain exceptions, student loans are also typically non-dischargeable.

• What are common Fair Debt Collection Practices Act violations in Bolingbrook?

  Under the Fair Debt Collection Practices Act, those who have filed for either Chapter 7 or Chapter 13 bankruptcy must not be harassed by creditors and collections agencies in Bolingbrook through actions such as calling their home or workplace, sending letters, and continuing to mail bills. They are also disallowed from threatening debtors with home foreclosure and wage garnishment.