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It’s difficult to dig your way out of a mountain of debt. The stress of unpaid bills can take a heavy toll on your health and your family’s quality of life. Here at Cutler & Associates, Ltd., we see situations like this every day. Our bankruptcy attorneys near Addison have made it their life’s work to help Chicago-area families get back on their feet. When you’re ready to consider bankruptcy, you may have lots of questions. Our bankruptcy attorneys have the answers you need to make an informed decision

My Wages Have Been Garnished. Will Bankruptcy Help?

Yes! If you’ve received notice of a wage garnishment, contact Cutler & Associates, Ltd. right away. Our bankruptcy attorneys can put a stop to this aggressive collections tactic. As soon as we file for bankruptcy on your behalf, an automatic stay goes into effect. This stops the following adverse actions:

  • Wage garnishment.
  • Civil lawsuits.
  • Court-ordered judgments.
  • Utility disconnection.
  • Foreclosure.
  • Eviction.

The automatic stay is temporary, but it will give you the breathing room you need to start untangling your financial mess.

Are There Different Types of Bankruptcy?

Yes. Individuals usually file for chapter 7 or chapter 13 bankruptcy. Bring your financial records to your meeting with our bankruptcy attorney, and he or she will determine which type is most appropriate for you. In chapter 7, all of your dischargeable debts are eliminated once the case is finalized. In chapter 13, you’ll make pre-determined payments to the trustee for a three-year or five-year repayment period. At the end of the repayment period, the remaining dischargeable debts will be eliminated.

How Will Bankruptcy Affect My Family?

It might be more appropriate to ask how debt is currently affecting your family. Does your spouse lie awake at night because of anxiety about unpaid bills? Are your kids forced to skip summer camps and music lessons because your credit cards are maxed out? Bankruptcy can’t solve these problems overnight, but it will provide a long-term solution to your current debts and financial instability.

I’ve Filed for Bankruptcy Before. Will It Be the Same a Second Time?

Possibly, but it depends on your current financial situation. You may have different types of debts this time around, and you may be earning more or less income. Although you’ll have a better idea of what to expect than a first-time filer, you’ll still benefit from the guidance of an experienced bankruptcy attorney because the law is complicated, and it’s subject to change over time.

Call Us Today to Get Started Working Toward Your Financial Freedom!