Many Law Firms Claim they'll file your case with NO MONEY DOWN and you can make payments for up to a year AFTER your case is filed. Derrick B. Hager, P.C. is a Consumer Bankruptcy law practice dedicated to representing individuals and families in need of financial restructuring through Chapters 7 and 13 under the Federal Bankruptcy Code. We do not represent creditors.
Our mission is to help you and your family get to that place in life where you are free to prioritize your children, your significant other and saving for the future without the stress and hardship of overwhelming and relationship destroying debt.
We help people and families with consumer bankruptcy law in Aurora, Batavia, Carol Stream, Downers Grove, Elgin, Elmhurst, Geneva, Glen Ellyn, Lisle, Lombard, Naperville, St. Charles, South Elgin, Warrenville, West Chicago, Wheaton, Winfield, and the surrounding towns, areas and counties.
A Chapter 7 bankruptcy can be thought of as the "classic" or "traditional" form of bankruptcy where an individual or a married couple filing jointly, asks the federal bankruptcy court to issue a final court order permanently enjoining his/her/their creditors from attempting to collect the debt owed; forever.
Our mission is to help you and your family get to that place in life where you are free to prioritize your children, your significant other and saving for the future without the stress and hardship of overwhelming and relationship destroying debt.
We help people and families with consumer bankruptcy law in Aurora, Batavia, Carol Stream, Downers Grove, Elgin, Elmhurst, Geneva, Glen Ellyn, Lisle, Lombard, Naperville, St. Charles, South Elgin, Warrenville, West Chicago, Wheaton, Winfield, and the surrounding towns, areas and counties.
A Chapter 7 bankruptcy can be thought of as the "classic" or "traditional" form of bankruptcy where an individual or a married couple filing jointly, asks the federal bankruptcy court to issue a final court order permanently enjoining his/her/their creditors from attempting to collect the debt owed; forever.
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The decision to file for relief from one's debt under our Federal Bankruptcy protection laws may prove to be the single most advantageous financial decision you will ever make in your life.
Yes, there are many powerful and life changing advantages to seeking Bankruptcy protection.
Those advantages however do come with some negative consequences.
Ultimately, you will need to understand and weigh the balance of those advantages against the disadvantageswhen making your final decision.
Yes, there are many powerful and life changing advantages to seeking Bankruptcy protection.
Those advantages however do come with some negative consequences.
Ultimately, you will need to understand and weigh the balance of those advantages against the disadvantageswhen making your final decision.
The fact that you are looking into and researching whether or not you need to seek protection under our Federal Bankruptcy Law indicates that you believe you are or are about to become "insolvent."
Put another way, that if you sold off everything you owned in an attempt to pay off all of your debt you would come up short and would need some form of special protection from your creditors because the only thing left for them to take is your paycheck.
The first step in seeking bankruptcy protection is one you should take some pride in; you are being proactive about your financial hardship and are looking for a workable solution BEFORE your creditors decide a solution for you.
Put another way, that if you sold off everything you owned in an attempt to pay off all of your debt you would come up short and would need some form of special protection from your creditors because the only thing left for them to take is your paycheck.
The first step in seeking bankruptcy protection is one you should take some pride in; you are being proactive about your financial hardship and are looking for a workable solution BEFORE your creditors decide a solution for you.
The reforms, known as the Bankruptcy Abuse Prevention and Consumer Protection Act ("BAPCPA"), brought sweeping change to how and whether an individual would be allowed to seek relief from their debt in a traditional bankruptcy.
There were many reasons why Congress decided it was time to overhaul our Bankruptcy laws.
The two most important reasons, and the ones that affect individual consumers like us, are inherent in the name of the law, the Bankruptcy Abuse Prevention and Consumer Protection Act.
There were many reasons why Congress decided it was time to overhaul our Bankruptcy laws.
The two most important reasons, and the ones that affect individual consumers like us, are inherent in the name of the law, the Bankruptcy Abuse Prevention and Consumer Protection Act.
Money can get in the way of love, even in the most romantic, compatible relationships.
Of all the intimacies you share, the sharing of money sparks the most arguments, kindles the most resentments, and creates the most confusion.
From what I've seen, it also causes the most divorces.
Fighting over money, lack of money and debts is the number one predictor of relationship breakup and divorce.
Yeah, everyone knows that.
Well, did you know.
Financial arguments are one of the most frequently occurring conflicts in marriage and that financial conflict is qualitatively different than other marital conflict.
Of all the intimacies you share, the sharing of money sparks the most arguments, kindles the most resentments, and creates the most confusion.
From what I've seen, it also causes the most divorces.
Fighting over money, lack of money and debts is the number one predictor of relationship breakup and divorce.
Yeah, everyone knows that.
Well, did you know.
Financial arguments are one of the most frequently occurring conflicts in marriage and that financial conflict is qualitatively different than other marital conflict.
So, you've been researching the variety of options available to stopping the foreclosure on your home and your choices are confusing, frustrating and lack assurances of success.
Loss Mitigation Alternatives and Foreclosure Defense can take months or more than a year to maybe, sort of, kinda' possibly.
In nearly all cases I can tell you, during the 90 minutes of the consultation, if you qualify and if you and your family will benefit from filing a Chapter 13 SAVE-THE-HOME plan.
The basic premise of any Chapter 13 Bankruptcy is to propose a "Plan" of repayment of your debt, rather than seeking a complete discharge of your debt through a Chapter 7. Within that basic premise is scheme to pay certain debt as a "priority."
Loss Mitigation Alternatives and Foreclosure Defense can take months or more than a year to maybe, sort of, kinda' possibly.
In nearly all cases I can tell you, during the 90 minutes of the consultation, if you qualify and if you and your family will benefit from filing a Chapter 13 SAVE-THE-HOME plan.
The basic premise of any Chapter 13 Bankruptcy is to propose a "Plan" of repayment of your debt, rather than seeking a complete discharge of your debt through a Chapter 7. Within that basic premise is scheme to pay certain debt as a "priority."
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