Metro East Debt Relief Lawyer
When you are in over your head with debt, it is hard to escape. If you are unable to keep up with medical bills or credit card bills, you may just want a fresh start. If you face the threat of foreclosure, you may just want to find a way to keep your home. Luckily, an experienced attorney can help you find solutions through bankruptcy.
At the law offices of David A. Virgin, our Cottage Hills bankruptcy law attorney can help you get the debt relief you deserve. With over 30 years of experience protecting Illinois consumers, we understand your rights and options. Our goal is to help you discharge all your debts and build a better financial future.
FREE BANKRUPTCY INFORMATION PACKET AVAILABLE UPON REQUEST.
Is Bankruptcy Right for You?
If you are struggling with debt, there comes a time when you just want relief. Perhaps you have been sued, been the victim of wage garnishment or you are afraid to answer the phone because of harassing phone calls from creditors. If you are overwhelmed with too many debt obligations and you do not have enough money to pay, we can help.
Our first step is to sit down with you, listen to your problems and gather information. Performing a critical analysis of your financial situation, we will determine a course of action tailored to your situation and implement a plan:
- Chapter 7: Shorter than the Chapter 13 bankruptcy process, Chapter 7 will give you a full discharge of your unsecured debts within approximately four months of the day you file. You will get a fresh start, free of the majority of your old debts.
- Chapter 13: We will create a payment plan you can afford. Chapter 13 bankruptcy will get you debt free in three to five years. In some cases, debtors do not have to pay anything at all to their unsecured creditors, depending on their income and assets. Chapter 13 allows you to retain all of your assets.
If you file bankruptcy, we will help you complete all necessary documents and file your case. We will attend all court hearings with you, answer all your questions and assist you with any problems that occur after filing. If you wish we can work with your creditors to reach a debt consolidation settlement without filing for bankruptcy.
Contact Us
Open weekdays from 8:30 to 4:30, our Cottage Hills offices provide an atmosphere where you can feel comfortable, welcome and appreciated. We will help alleviate your anxiety and financial stress during this difficult time. Contact us today to schedule an initial consultation.
David A. Virgin
24 N. Lincoln Avenue
Cottage Hills, IL 62018
Phone: 618-258-0070
Fax: 618-258-0083
Map and Directions
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