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filing bankruptcy in illinois without a Attorney?

I want to file Chapter 7 bankruptcy without a lawyer in illinois. Has anyone ever done this in illinois, if so how successful was it. I have no property or assests just credit card debt and a about to be wage garnishment.


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5 Responses to "filing bankruptcy in illinois without a Attorney?"

  1. robert w says:
    great way to lose more than ur shirts.
    visit library for ‘chapter 7 (bankruptcy) for dummies’ book and see where u can mess up.
    bnakruptcy for credit card debt is not the smartest thing. how about paying it or if u can’t , get 2nd jobs or sell something and ‘settle’ the debt.
    visit dave to learn the hard lessons coming to you.
  2. Ralph T says:
    Get a lawyer that does bankruptcy,but check with different lawyers to get the lowest price and best service.
    IF you talk to the creditors,you may be able to get some relief.
    If they garnish your wages and you loose your job,you may be able sue them for lost wages.
    Recent changes in the laws makes filing bankruptcy harder and takes longer,but is usually done within 6 months.
  3. Bruce C says:
    People file bankruptcy without attorneys all the time and unless they have substantial assets or income, or are in fact trying to commit some type of fraud there is rarely a problem.

    For free forms, help, FAQs and free manual please see…

  4. Christopher P says:
    I have recently completed this article on bankruptcy and after seeing your question, I have decided to share it with you with the hope that it provides some insight into bankruptcy for you, and answers any questions you may have on this topic.

    This should be no surprise to you but there has been a rise in bankruptcy in the US by some 50%, with nearly four hundred thousand households filing. This increase is due to the financial stress that many households find themselves in as a direct result of the state of the economy. Another factor that has contributed to this increase in the drastic increase in foreclosures that has risen by more than 80% from the previous year. Some forecasters predict that foreclosures will continue to rise as projected increases in interest rates will make it even more difficult for more homeowners to pay their mortgage. This is expected to result in even more households filing for bankruptcy.

    Filing for bankruptcy does have a negative effect on your credit rating, with a chapter 7 and a chapter 13 bankruptcy staying on your credit report for as much as 10 years. Apart from this, debts that are discharged during bankruptcy are not automatically removed from your credit report. While you may get the creditors off your back, you would also put yourself in a position that makes it near impossible – well difficult – to get any kind of credit for quite a while. So while this may be an option, you should very carefully weigh all the consequences of this action.

    In spite of how gloomy it may look, filing for bankruptcy may not necessarily be as bad and the effects need not be as long as it may seem. In general, lenders tend to be interested mostly in the last 12 to 24 months of your credit history. So your challenge will be to convince lenders that you have turned over a new leaf and that you are now in control of your credit. Of course, it is absolutely vital that you do not do anything after bankruptcy that will further damage your credit. You will want to make sure that you make no further late payments, and that you really are on top of your credit.

    From a lender’s perspective, post bankruptcy may not be a bad thing after all. The person who has filled is now free from debt as it were, and is prohibited by law to discharge any additional debt within eight years of first filing for bankruptcy. So from a lenders point of view, the second time around can be sweeter than the first.

    A definite downside and a direct consequence of bankruptcy is the higher rates you will have to pay on credit facilities that are made available to you. You can expect to pay as much as 75% to 80% more for the same items. The good news is that if you manage your credit well this time around, you need not pay the high interest rate forever. Make your payments on time and play your cards right and you can possibly refinance your loan and get a significantly lower rate of interest within 2 years.

    If you are considering bankruptcy, then you should consider speaking with a lawyer first to fully understand what your options are.

  5. Jennifer says:
    I used “Credit Solution” to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58% .It’s legitimate.I came across this company on NBC News Special Edition.Check it out here:

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