Kirkwood, Illinois Bankruptcy Lawyers
Former Public Administrator of Rock Island County
Former Public Guardian of Rock Island County
HUD Foreclosure Commissioner
James works primarily in the areas of Business Law, Real Estate, Contracts, and Estate Planning. He is a member of the American Bankruptcy Institute, the Iowa State Bar Association, the Illinois State Bar Association, and the Scott County Bar Association.
James holds his Juris Doctor and Masters in Business Administration degrees from Drake University where he was awarded...
I received my Bachelor of Arts Degree in Business Management from Eureka College where I also minored in Spanish. I then received my law degree from Southern Illinois University School of Law. While in law school I worked in the...
After being licensed to practice for ten years, Mr. Howard joined Hall Rustom and Fritz in June of 2018 to expand his legal offerings to business clients to include a higher level of service through his knowledge of technology. To assist downstate...
Kirkwood Bankruptcy Legal Aid & Pro Bono Services
Prairie State Legal Services, Inc.
Bankruptcy law allows debtors, who are unable or partially unable to pay outstanding debts, to rid themselves of these debts and obtain a fresh start. Both federal and state laws can affect a debtor seeking to file for bankruptcy, and an attorney can help you understand how state and federal bankruptcy laws apply to you.
If you are struggling with high debt, receiving calls from creditors or collection agencies, or facing foreclosure, garnishment of wages, or repossession of property, filing for bankruptcy may provide you with solutions.
Bankruptcy lawyers offer legal advice and services during a financial crisis. In total, there are six different types of bankruptcy. For persons seeking debt relief, one option is Chapter 7 bankruptcy, which provides for liquidation of the debtor's non-exempt assets. Another popular option for individuals is Chapter 13, which allows for management and reduction of debt through payment plans. Corporations and partnerships filing for bankruptcy often choose to file under Chapter 11, which provides for supervised reorganization of the business.
Experienced bankruptcy counsel can help you evaluate whether you should pursue a bankruptcy as well as the Chapter under which to file. Bankruptcy lawyers can also help end harassing phone calls from debt collectors and evaluate available legal options when facing a home foreclosure.
Automatic stay: An injunction that automatically stops lawsuits, foreclosures, garnishments, and most collection activity against the debtor the moment a bankruptcy petition is filed.
Unsecured claim: A debt for which credit was extended based solely upon the creditor's assessment of the debtor's future ability to pay, rather than on a special assurance of payment.
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