Counselor of Law
(815) 729-9212
(815) 729-3398 FAX
Welcome to the Bankruptcy Law Center, sponsored by Ronald Cummings, an Illinois law firm with a main office in Joliet that concentrates on Chapter 7 and Chapter 13 bankruptcy law.
Bankruptcy Attorney in Illinois
Serving Joliet area for over 10 years.
121 Springfield Ave.
Joliet, Illinois 60435
(Near St. Joseph's Hospital)
Joliet, Illinois 60435
(Near St. Joseph's Hospital)
DISCLAIMER: The materials on this Website have been prepared by for informational purposes only and are not legal advice. This information is not intended to create, and receipt of it does not constitute, an attorney-client relationship. Internet users and online readers should not act upon this information without seeking professional counsel. Do not send us confidential information until you speak with one of our attorneys and get authorization to send that information to us.
Stop:
Garnishments, Repossessions, Foreclosures, Lawsuits and Creditor Harassment.
Garnishments, Repossessions, Foreclosures, Lawsuits and Creditor Harassment.
Keep:
Your Home, Your Car, Your Wages.
Your Home, Your Car, Your Wages.
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Office Links
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We are readily capable of handling:
* Chapter 7 Bankruptcy (new start, liquidation bankruptcy for individuals)
* Chapter 13 Bankruptcy (refinance plan to repay debts, avoid foreclosure)
Whether overwhelming debt has resulted from credit cards or from medical bills due to unexpected health problems, Chapter 7 bankruptcy is an alternative financing tool for individuals which allows them to eliminate their debt and liquidate non-essential assets. In fact, it is important to know that IRS debt is also dischargeable debt and can be refinanced in bankruptcy. I can help you stop a foreclosure! But you have to take action. You have to call.
* Chapter 7 Bankruptcy (new start, liquidation bankruptcy for individuals)
* Chapter 13 Bankruptcy (refinance plan to repay debts, avoid foreclosure)
Whether overwhelming debt has resulted from credit cards or from medical bills due to unexpected health problems, Chapter 7 bankruptcy is an alternative financing tool for individuals which allows them to eliminate their debt and liquidate non-essential assets. In fact, it is important to know that IRS debt is also dischargeable debt and can be refinanced in bankruptcy. I can help you stop a foreclosure! But you have to take action. You have to call.
Chapter 13 bankruptcy is sometimes the most affordable financing option, as it has no closing costs or smaller upfront fees. It provides a way for a person to obtain a structured payment plan, protect their home equity and credit, and obtain some relief from investments-gone-bad or vast amounts of debt.
The 2005 Bankruptcy laws were recently re-written to include a series of new rules that have been made to protect the consumer and business owners. I will be certain to inform you of any changes which may have an impact upon your exact situation.
At the Joliet law firm of Ronald Cummings, Attorney at Law, I understand the very sensitive financial needs of individuals. Please contact my office today.
The 2005 Bankruptcy laws were recently re-written to include a series of new rules that have been made to protect the consumer and business owners. I will be certain to inform you of any changes which may have an impact upon your exact situation.
At the Joliet law firm of Ronald Cummings, Attorney at Law, I understand the very sensitive financial needs of individuals. Please contact my office today.
Yes, you can discharge some taxes in bankruptcy. But not all taxes, and not all the time. Maybe yours can! CALL FOR HELP!
And yes, sometimes filing bankruptcy might lower or help raise your credit score. Every situation is different. We can explain once we hear your situation.
Filing Chapter 7 bankruptcy or Chapter 13 bankruptcy is a common financial option - a financial tool. And it's not embarrassing! Once viewed negatively, filing for bankruptcy has recently become an alternative option for people with significant financial problems. Many bankruptcy lawyers don't understand how this works. But I can help you understand.
And yes, sometimes filing bankruptcy might lower or help raise your credit score. Every situation is different. We can explain once we hear your situation.
Filing Chapter 7 bankruptcy or Chapter 13 bankruptcy is a common financial option - a financial tool. And it's not embarrassing! Once viewed negatively, filing for bankruptcy has recently become an alternative option for people with significant financial problems. Many bankruptcy lawyers don't understand how this works. But I can help you understand.