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Best Bankruptcy Attorneys in Waukegan

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Albarran Law Offices logo
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Albarran Law Offices

204 North West Street, Waukegan, IL 60085
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  • Chapter 7 Bankruptcy
  • Debt Settlement

Business Description

Albarran Law Offices is a Waukegan law firm that has been serving the area for more than 23 years. The firm employs bankruptcy lawyers that dedicate themselves to helping clients start over financially, whether they are dealing with collection calls or letters, wage garnishment, or lawsuits from a collector. Albarran Law Offices helps clients file for bankruptcy to alleviate some of the struggles related to overwhelming debt, guiding them through the process from start to finish.

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 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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Edwin L Feld & Associates. LLC logo
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Edwin L Feld & Associates. LLC

1919 North Route 83, Round Lake Beach, IL 60073
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Located near Waukegan, Edwin L Feld & Associates, LLC is a bankruptcy law firm that continues to help thousands of financially struggling clients start over. The firm is helmed by attorney Ed Feld, who has been exclusively practicing bankruptcy law for over 35 years. The bankruptcy attorneys at Edwin L Feld & Associates, LLC focus on helping clients with chapter 7 and chapter 13 bankruptcy filings and proceedings, all while making sure that clients' rights are protected. Flexible payment plans are available to help financially-pressed clients.

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

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
Kenneth S. Borcia & Associates logo
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Kenneth S. Borcia & Associates

A, 1117 South Milwaukee Avenue, Libertyville, IL 60048
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Kenneth S. Borcia & Associates is a bankruptcy law firm in Waukegan with over 30 years of service. The firm's team of lawyers helps clients file for chapter 7 and chapter 13 bankruptcies. Chapter 7 is meant for debtors who do not have the financial capacity to settle their current debts, while chapter 13 is meant for those who would like to repay their debts on an installment basis. They also deal with foreclosures, repossessions, wage garnishment, and IRS actions.

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.
4.6
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 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
Laura D. Frye, LTD. logo
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Laura D. Frye, LTD.

1800 Nations Drive, Gurnee, IL 60031
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Laura D. Frye, Ltd., is a bankruptcy law firm in Waukegan. Frye guides clients through chapter 7 and chapter 13 bankruptcies and helps them figure out which type suits them best and what other alternatives they have. She also deals with the prevention of foreclosure, repossession, and wage garnishment. Other areas of law that Frye handles include probate law, real estate law, and personal injury. She also handles traffic offenses and helps clients deal with speeding tickets, hit and runs, and reckless driving.

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
Google
5.0 / 5 (15)
Avvo
5.0 / 5 (2)

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
Magee Hartman, P.C. logo
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Magee Hartman, P.C.

One North County Street, Waukegan, IL 60085
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  • Chapter 7 Bankruptcy
  • Debt Settlement

Business Description

Magee Hartman, P.C., is a bankruptcy law firm in Waukegan. The firm's team of lawyers helps individuals and businesses file for chapter 7 bankruptcy and educates clients on potential alternatives, like asset protection, debt settlement, or short sale. The filing process involves completing bankruptcy counseling, submitting financial statements, and preparation, review, and signing of the petition. Aside from bankruptcy law, the attorneys also handle civil litigation, criminal defense, estate planning, municipal law, and real estate law.

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 (7)
Avvo
5.0 / 5 (3)
Google
5.0 / 5 (2)

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
Newland & Newland, LLP logo
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Newland & Newland, LLP

1512 Artaius Parkway, Suite 300, Libertyville, IL 60048
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Newland & Newland, LLP, is a bankruptcy law firm that provides its legal services in Waukegan. Founded by brothers Gary and Stephen Newland, the firm handles chapters 7, 11, and 13 bankruptcy cases. It also provides debt restructuring and credit counseling. Stephen specifically handles the firm's bankruptcy cases, and he provides consultation to help people determine the most applicable solution for their debt situation. Newland & Newland is a member of the Association of Foreclosure Defense Attorneys and the National Association of Consumer Bankruptcy Attorneys.

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 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
Robert J. Adams & Associates Inc. logo
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Robert J. Adams & Associates Inc.

228 North Genesee Street, Waukegan, IL 60085
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Robert J. Adams & Associates, Inc. is a bankruptcy law firm for individuals and businesses in Waukegan. Bankruptcy lawyers can assist clients facing consumer bankruptcy file for one of four types of bankruptcy, including chapter 7, chapter 11, or chapter 13 of the Bankruptcy Code. The bankruptcy attorneys can also help clients file for a chapter 20 bankruptcy, in which the client first files for a chapter 7 but later on files a chapter 13. The firm can also help businesses file for bankruptcy. Robert J. Adams & Associates, Inc. has been delivering legal services for over 40 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.
4.6
Avvo
5.0 / 5 (17)
Yelp
3.5 / 5 (6)
Facebook
5.0 / 5 (2)

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
Tomei Law, P.C. logo
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Tomei Law, P.C.

223 Illinois 21, Gurnee, IL 60031
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Tomei Law, P.C. is a bankruptcy lawyer for Waukegan clients. As a bankruptcy firm, Tomei Law, P.C. helps uphold the Fair Debt Collection Practices Act. Tomei can also advise and represent clients who are in danger of having their properties foreclosed. The bankruptcy attorney also has the capabilities to help clients gain relief from debt and bankruptcy. The law firm extends its legal assistance in real estate transactions, breach of warranty, and automobile sales fraud.

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 (33)
Google
5.0 / 5 (20)
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
Helpfulness
Detail
Back to Providers

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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