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Best Bankruptcy Attorneys in Joliet

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Hamilton & Antonsen Ltd logo
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Hamilton & Antonsen Ltd

3290 Executive Drive, Joliet, IL 60431
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  • Debt Settlement

Business Description

Hamilton & Antonsen Ltd is a law firm that is based in Joliet. The company's bankruptcy lawyers focus on topics related to Chapter 7, Chapter 13, debt relief, and types of debts. Other practice areas include DUI and traffic offenses, family and divorce, personal injury, and real estate. The firm's founding partner and attorney, Luke Antonsen, was presented by the Spanish Community Center the 2017 "Commitment to Service Award" and "Local Hero Award" by the Illinois State Legislature.

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.
4.4
Google
4.4 / 5 (43)
Yelp
4.5 / 5 (6)

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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Law Office of Frank L. Vosholler III logo
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Law Office of Frank L. Vosholler III

16362 Caraway Court, Lockport, IL 60441
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Frank L. Vosholler III provides legal counsel in and around Joliet regarding matters under bankruptcy law. Its bankruptcy attorney helps clients who prefer to not opt for debt settlement and consolidation, and instead helps them file for a chapter 7 bankruptcy to eliminate debts and protect property or a chapter 13 bankruptcy to readjust payment plans of combined debts. Vosholler's other areas of practice are estate planning and real estate matters.

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
4.7 / 5 (13)
Yelp
5.0 / 5 (4)
Avvo
5.0 / 5 (4)

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
Responsiveness
Friendliness
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Detail
––
Law Offices of David M. Siegel logo
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Law Offices of David M. Siegel

54 North Ottawa Street, Joliet, IL 60432
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Law Offices of David M. Siegel represents clients with cases in the Chicago area. Established in 1991, the firm has seven offices, one of which is in Joliet. They offer legal advice regarding Chapter 7 and Chapter 13 bankruptcy cases, such as filing for bankruptcy and reorganizing debt. Owner David M. Siegel has been featured in the Chicago Tribune, the Daily Herald, Time Magazine for his practice and wrote “Chapter 7 Success: The Complete Guide to Surviving Personal 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.
4.8
Google
5.0 / 5 (29)
Avvo
5.0 / 5 (21)
Facebook
3.7 / 5 (3)

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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
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Detail
Querrey & Harrow logo
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Querrey & Harrow

120 North LaSalle 120 North LaSalle Street, Chicago, IL 60602
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  • Debt Settlement

Business Description

Catering to Joliet, Querrey & Harrow helps protect the rights of clients facing bankruptcy issues. The firm provides assistance in consumer and business-related bankruptcy matters including reorganization and liquidation procedures. Querrey & Harrow also helps clients secure debt relief in addition to asserting protection for creditors. Its bankruptcy attorneys previously represented clients such as United Airlines, K-Mart, and Circuit City in creditor disputes. Founded by Corwin Querrey and Joseph Harrow in 1939, the firm also handles cases involving intellectual property, personal wealth, insurance, and workers' compensation.

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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Schottler & Associates logo
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Schottler & Associates

7222 Cermak Road, Riverside, IL 60546
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Schottler & Associates is a bankruptcy law firm serving Joliet and its nearby communities. Partner Mark Schottler has been handling personal bankruptcy issues since 1996. He conducts consultative meetings to discuss legal options, assess clients' eligibility for bankruptcy, and guide them through the bankruptcy process. His legal representation covers chapters 13 and 7 bankruptcies, helping debtors get out of financial distress. Moreover, he stops creditor harassment through bankruptcy filings. Schottler also holds an MBA degree from Marquette University.

Reputation:

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5.0
Facebook
5.0 / 5 (4)

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 Stuart B. Handelman, P.C. logo
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The Law Offices of Stuart B. Handelman, P.C.

310 North Hammes Avenue, Joliet, IL 60435
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Offices of Stuart B. Handelman, P.C., is a bankruptcy law firm that serves Joliet and the rest of the Chicago area. Established in 1992, it handles various aspects of debt relief and provides bankruptcy and non-bankruptcy options for clients. The firm also protects debtors against creditors' harassment. For bankruptcy options, its lawyers help clients file for chapter 7 or chapter 13 bankruptcy. For non-bankruptcy options, they provide debt settlement assistance.

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
Avvo
5.0 / 5 (295)
Google
5.0 / 5 (5)
Facebook
3.0 / 5 (1)
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


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.

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 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 will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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