Credit Card & Medical Bill Debt Attorneys
Credit card debts and medical debts are two of the most common causes of bankruptcy. Credit card interest rates are so high that it is easy to get caught up in an endless cycle of increasing debt. Medical bills can be astronomical, even if you had insurance at the time of a serious injury or illness.
You Can Discharge Credit Card Debts and Medical Bills in Bankruptcy
If you are struggling with credit card debts or medical bills you simply cannot afford to pay, get help through debt management counsel at Illini Legal Services. Please contact an experienced debt relief attorney who can advise you of your legal rights and options. Although bankruptcy is not right for everyone, it can be a useful tool in any financial plan to solve your financial troubles. In addition to bankruptcy, we provide other bankruptcy alternative options.
How Can Debt Management Help?
Filing for bankruptcy does not have to be the immediate course of action. We will help you look at other options such as negotiations with creditors, debt consolidation, debt settlements, loan modifications and more. We can explore what can be done prior to making any bankruptcy filings, including how to settle debt without bankruptcy.
How Can Bankruptcy Help?
If you file for Chapter 7 bankruptcy, you may be able to completely discharge (eliminate) all your credit card debt and medical bills. You may be able to discharge other unpaid debts, including most types of unsecured debt.
If you file for Chapter 13 bankruptcy, you may be able to achieve relief in the form of a debt repayment plan issued by a bankruptcy court judge. Chapter 13 provides a plan which can result in a discharge of some of your debt and allows you additional time to make payments without the constant strain of creditor harassment.
Get Relief From Creditor Harassment
Regardless of which option you choose — Chapter 7 bankruptcy or Chapter 13 bankruptcy — an automatic stay of further creditor collection efforts will be created at the time you file for bankruptcy relief. The automatic stay will protect you from creditor harassment.
At Illini Legal Services, we offer a free, no-obligation consultation to each of our clients. During your consultation, we will take the time to listen to your financial concerns and assess your case and individual situation. We have five locations to serve you. Contact us today for help!
Illini Legal Services is engaged in the private practice of law and is not a public legal aid agency. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.