Practical, plain-English writing on consumer bankruptcy and financial recovery — drawn from three decades of practice in Kane County and the surrounding collar counties.
Every consumer bankruptcy filer must complete two short courses — one before filing, one after. Skip either and your case is dismissed or your discharge denied.
Preparation is the difference between a smooth 341 meeting and a case that stalls. Here is every document your attorney will ask for — and why.
The means test is not a single number — it is a two-step calculation that trips up nearly every filer who tries it alone. Here is how it actually works.
Illinois opted out of the federal exemption scheme. Here is a clear guide to the state exemptions that protect your home, car, wages, and retirement.
The six weeks before filing matter more than most people realize. A short checklist to protect your case — and yourself — before the petition goes in.
The automatic stay halts most collection activity the moment a bankruptcy case is filed — including garnishment. Here is how it works.
A plain-English comparison of the two most common consumer bankruptcies — who qualifies, what they protect, and how long they take.
