Chicago Bankruptcy & Debt Lawyer, Illinois

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Vytas  Jurjonas Lawyer

Vytas Jurjonas

VERIFIED
Real Estate, Bankruptcy & Debt

Jonas Price, LLC is a firm comprised of energetic and young professionals dedicated to helping clients achieve their goals. Bringing together over 35... (more)

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312-291-9700

J. Kevin  Benjamin Lawyer

J. Kevin Benjamin

VERIFIED
Bankruptcy & Debt, Consumer Rights, Tax, Real Estate, Lawsuit & Dispute
representation in chapter 7, 13, 11, foreclosure defense, mortgage loan workouts and restructurings

Meet The Founder And Managing Partner At Benjamin Brand, LLP - J. Kevin Benjamin, Esq. No challenge is too difficult for Attorney J. Kevin Benjamin... (more)

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800-929-4690

Robert J. Adams Lawyer

Robert J. Adams

VERIFIED
Bankruptcy & Debt, Bankruptcy Litigation, Credit & Debt, Collection

The firm was established in 1976 in the Chicago Loop by Robert J. Adams. For over 30 years, the firm of Robert J. Adams & Associates has focused on he... (more)

Abraham  Michelson Lawyer

Abraham Michelson

VERIFIED
Bankruptcy & Debt, Foreclosure, Consumer Protection, Tax Litigation

Established in 1972, our knowledgeable legal team can advise you on your rights and options for negotiating a viable solution to your credit woes. We'... (more)

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John  Haderlein Lawyer

John Haderlein

VERIFIED
Bankruptcy & Debt, Real Estate, Estate, Accident & Injury, Workers' Compensation

John Haderlein is an experienced attorney who has been licensed to practice law since 1988. He is licensed in Illinois, Wisconsin and California... (more)

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CONTACT

800-978-9580

Sandra Margaret Emerson Lawyer

Sandra Margaret Emerson

VERIFIED
Real Estate, Foreclosure, Bankruptcy & Debt

Emerson Law Firm, LLC is a consumer law firm located in Oak Park, Illinois. The firm's attorneys -- Sandra M. Emerson, Matthew C. Swenson, and Richard... (more)

John E. Trepel Lawyer

John E. Trepel

VERIFIED
Divorce, Custody & Visitation, Child Support, Paternity, Bankruptcy

John Trepel is a practicing attorney in Chicago, IL, who specializes in divorce & family law and bankruptcy matters. Mr. Trepel's office is conven... (more)

Julia J Smolka Lawyer

Julia J Smolka

VERIFIED
Bankruptcy & Debt, Banking & Finance, Estate

Julia has extensive litigation experience. She represents both defendants and plaintiffs in lawsuits, which include landlord tenant disputes, homeown... (more)

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800-729-0790

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LEGAL TERMS

NUISANCE FEES

Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fe... (more...)
Money charged by some credit card companies to increase their profits when you fail to use the card the way the creditor wants. Examples include late payment fees, inactivity fees and fees for not carrying a balance from month to month. It's best to shop around and get rid of cards that have these fees attached.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)
A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

TRUTH IN LENDING ACT (TILA)

A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disc... (more...)
A federal law that requires credit and charge card companies to disclose interest rates and other information about an account. It also requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate and the number, amount and due dates of all payments necessary to repay the loan. The TILA requires additional disclosures and places many restrictions on mortgages.

DISCHARGE (OF DEBTS)

A bankruptcy court's erasure of the debts of a person or business that has filed for bankruptcy.

CREDIT INSURANCE

Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay o... (more...)
Insurance a lender requires a borrower to purchase to cover the loan. If the borrower dies or becomes disabled before paying off the loan, the policy will pay off the remaining balance. Federal and state consumer protection laws require the lender to disclose to existing and potential borrowers the terms and costs of obtaining credit insurance because it can affect the terms of the loan.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)
An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

LIQUIDATING PARTNER

The member of an insolvent or dissolving partnership responsible for paying the debts and settling the accounts of the partnership.

REDEMPTION

In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump s... (more...)
In Chapter 7 bankruptcy, when the debtor obtains legal title to collateral for a debt by paying the creditor the replacement value of the collateral in a lump sum. For example, a debtor may redeem a car note by paying the lender the amount a retail vendor would charge for the car, considering its age and condition.

SETOFF

A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a countercl... (more...)
A claim made by someone who allegedly owes money, that the amount should be reduced because the other person owes him money. This is often raised in a counterclaim filed by a defendant in a lawsuit. Banks may try to exercise a setoff by taking money out of a deposit account to satisfy past due payments on a loan or credit card bill. Such an act is illegal under most circumstances.