Best Bankruptcy Attorneys in Elgin

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Costello Law logo
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Costello Law

600 Spring Hill Ring Road, West Dundee, IL 60118
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Costello Law is a bankruptcy law firm in Elgin that has been providing legal services since the early 1960s. Lawyers at the firm handle chapter 7 and chapter 13 bankruptcy filings for individual debtors. They also provide legal representation for businesses in chapter 7 and chapter 11 cases. Additionally, the law firm represents both individual and business debtors in complex bankruptcy lawsuits. Founding lawyer Stephen J. Costello is a former chairman of the Kane County Bar Association's Bankruptcy and Debtor/Creditor committees.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Geraci Law L.L.C logo
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Geraci Law L.L.C

1885 North Farnsworth Avenue, Aurora, IL 60505
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  • Debt Settlement

Business Description

Geraci Law LLC has been catering to the legal needs of Elgin residents and nearby areas since 1977. Founder and consumer bankruptcy attorney Peter Francis Geraci assists individuals, families, and small business owners eliminate all or a large portion of their unsecured debt through chapter 7 bankruptcy liquidation. Geraci also guides debtors in debt consolidation through chapter 13 bankruptcy filing. Geraci also represents injured individuals in pursuing medical claims and settlements. Legal services rating provider Avvo bestowed a Superb 10.0 rating to Geraci, naming him a Top Attorney for Bankruptcy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Avvo
4.9 / 5 (1570)
Google
4.9 / 5 (150)
Facebook
5.0 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Jeffrey A Bivens PC logo
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Jeffrey A Bivens PC

4855 East State Street, Rockford, IL 61108
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Jeffrey A. Bivens PC is a disability, divorce, and bankruptcy lawyer offering legal services to individuals and businesses in Elgin and the surrounding areas. The firm counsels and represents clients in chapter 7 debt elimination and chapter 13 debt consolidation. Founding attorney Jeffrey A. Bivens has more than two decades of experience in helping consumers and businesses obtain debt relief. He is admitted to practice in Illinois and in Wisconsin.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Kugia & Forte logo
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Kugia & Forte

711 West Main Street, West Dundee, IL 60118
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Kugia & Forte is a law firm near Elgin that deals with diverse legal needs. It offers legal representation in several areas such as personal injury, real estate, bankruptcy, and divorce. Martin V. Kugia, its bankruptcy lawyer, has advocated for clients' rights for over a decade. He is well-versed in liquidation bankruptcy guidelines, helping clients determine their eligibility and filing bankruptcy petitions for qualified debtors. Moreover, he aims to obtain debt discharges and address wage garnishment and foreclosure issues.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (8)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Law Office of Timothy Brown logo
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Law Office of Timothy Brown

63 Douglas Avenue, Elgin, IL 60120
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

The Law Office of Timothy Brown is a local firm dedicated to helping Elgin and the surrounding communities. The team of bankruptcy attorneys offers solutions to help clients obtain debt relief and a new financial start. The company's practice areas include chapters 7 and 13 bankruptcy options, debt collection, foreclosure defense, and bankruptcy litigation. Founding attorney Timothy Brown was recognized in 2016 as one of the "Top 100 Lawyers" by the National Trial Lawyers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Avvo
5.0 / 5 (14)
Google
4.5 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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The Law Offices of Jay L Dahl Ltd. logo
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The Law Offices of Jay L Dahl Ltd.

1122 Brigham Way, Geneva, IL 60134
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

The Law Offices of Jay L. Dahl Ltd. has been providing legal services to the Elgin community and nearby areas since 1979. The law firm focuses on helping individuals resolve their financial challenges through chapter 7 and chapter 13 bankruptcy filings. The company also assists clients in foreclosure litigations and in seeking solutions for IRS and other tax-related problems. Lawyers at the firm are experienced in real estate litigation as well. Dahl has been practicing law for over 43 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
4.5 / 5 (3)
Google
5.0 / 5 (2)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

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