Zero Money Down Bankruptcy In Chicago & Waukegan, IL.

We’ll Spend Our Own $$$ To Get You Out Of Debt

You are ready to start fresh with Chapter 7 bankruptcy, but money’s so tight you can’t even afford an attorney fee. As long as you have a job and a bank account, The Burns Law Firm P.C. will accept your case with no attorney fees paid up-front, so you can get the relief you need today.  Most bankruptcy firms offer payment plans before you file, but at The Burns Law Firm P.C., we offer zero money down on bankruptcy to help you get a fresh start.

Let’s Get Started

If you are considering bankruptcy, you are already having financial problems. That’s why The Burns Law Firm P.C. allows you to begin the Chapter 7 bankruptcy process without paying any attorney fees up front. During your initial free consultation at one of our offices in Chicago or Waukegan, IL., we will explain to you the bankruptcy process and determine whether you meet the legal requirements to file. If you have a job and a bank account, you can enter into bankruptcy without needing to put any attorney fees down.

Chapter 7 Bankruptcy — Will It work For Me?

While federal law gives Americans the right to discharge certain debts in Chapter 7 bankruptcy, each state is able to create its own requirements and exemptions. To qualify in Illinois, your income must be below a certain threshold as determined by a means test. Many people who find themselves in serious financial trouble are able to pass this test. People whose income is too high to qualify under Chapter 7 may be able to find relief under an alternative process known as Chapter 13.

One of the reasons why people consider bankruptcy is the endless phone calls and letters from debt collectors. We can put a stop to this harassment. As soon as The Burns Law Firm P.C. files your case, the federal court issues an automatic stay, stopping creditors in their tracks. If they want to contact you again, they will have to go through a bankruptcy judge first.  Now you can have a new start on life!

Step By Step Relief To $0 Down Bankruptcy

People considering bankruptcy are often concerned whether they will be able to afford a lawyer and whether they will lose everything that they own. The Burns Law Firm P.C. fights to alleviate both of these concerns. When you choose us, there are no up-front attorney fees or surprises.

Zero-down bankruptcy does not mean giving up all of your property. Illinois allows you to keep exempt property that you own or have equity in (equity being the property’s value minus the amount of money that you still owe on it). Married couples are allowed to combine their exemptions to keep double the amount of property. This means that a single person can exempt up to $15,000 in equity on a home, while a married couple can exempt up to $30,000. Individuals can exempt up to $2,400 towards a motor vehicle, which doubles to $4,800 for married couples. You are also allowed to exempt $4,000 each in personal property and at least 85% of your wages. Under Illinois State Law, most benefits and spousal support are also exempted. Schedule an appointment today with The Burns Law Firm P.C. at our Chicago & Waukegan, IL. offices.

Waukegan, IL (847) 782-1300

Chicago, IL (312) 880-0195