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Naperville, IL Bankruptcy FAQs

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

  Bankruptcy filings for individuals from Naperville can be done at the Eastern Division of the United States Bankruptcy Court for the Northern District of Illinois. The bankruptcy court is at the Everett McKinley Dirksen U.S. Courthouse at 219 S. Dearborn St., Chicago, IL 60604. The Clerk's Office Drop Box is on the 7th floor outside of Room 710 (or Intake Office).

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

  Various bankruptcy forms can be obtained from the webpage of the United States Bankruptcy Court for the Northern District of Illinois at https://www.ilnb.uscourts.gov/forms/all-forms.

• What does it mean to be an adversary proceeding in a Naperville bankruptcy case?

  A bankruptcy case in Naperville is an adversary proceeding in which another party files a complaint in court to obtain a result, such as reclaiming property or money or challenging a bankruptcy discharge. These types of proceedings are assigned adversary proceeding numbers in addition to bankruptcy case numbers. There are also separate docket files for these proceedings.

• Can tax debts in Naperville be discharged by filing for bankruptcy?

  Taxes, in general, cannot be discharged through bankruptcy, but in some cases involving income levies, they can. In Naperville, an income tax can be discharged if the following conditions are met: (1) at least three years have passed since the taxation; (2) relevant tax returns were filed two years before the bankruptcy is filed; and (3) the IRS evaluated the debt not less than 240 days before the bankruptcy is filed.

• If you are a self-represented individual, where can you get legal aid before filing a Naperville bankruptcy case?

  Before filing your Naperville bankruptcy case, call The Bankruptcy Pro Se Help Desk at (312) 229-6344 for a free 30-minute phone consultation with a lawyer. You can also call Legal Aid Chicago at (312) 229-6344. If you have a disability and are unable to use the phone, please send an email to ilbkhelpdesk@gmail.com. If you have an emergency, call the court at (312) 408-5000.

• Can a Naperville bankruptcy stop a utility company from cutting off service due to non-payment?

  Yes, filing for Chapter 13 or Chapter 7 bankruptcy can keep a utility company from disconnecting service. It can even restore your Naperville service if it has already been interrupted. After you have filed, the utility company will set up a new deposit with you. Take note that you must still pay past-due bills as part of the bankruptcy requirements.

• How can an individual in Naperville participate in a Chapter 13 Mortgage Modification Mediation Program?

  To begin, the Naperville resident must only be in a Chapter 13 bankruptcy. Second, the mediation must only be used to save the individual's primary residence and not investment or vacation properties. Following that, the individual must have the financial means to make the required monthly payment. Lastly. These individuals must be willing to bear the program's expenses, which may include their lawyer's fees and program expenses.