Owning a Home While Repaying Debt: Your Rights as an Illinois Chapter 13 Filer Key Takeaways: Yes, a Chapter 13 debtor in Illinois can often buy a house before discharge, but only with proper court or trustee involvement and a feasible repayment plan. Because Chapter 13 plans run three to five years under 11 U.S.C. […]
Filing Chapter 7 to Halt a Wage Deduction Order in Illinois Key Takeaways: Filing Chapter 7 bankruptcy in Illinois triggers the automatic stay under 11 U.S.C. § 362, halting an active wage deduction order the moment your petition is filed. Illinois law under 735 ILCS 5/12-808(f) treats bankruptcy filing as a "lawful excuse" ending the […]
Facing Eviction and Debt at the Same Time in Illinois Key Takeaways: Filing Chapter 7 before an Illinois eviction judgment can trigger an automatic stay that temporarily pauses many collection and court actions, but it does not give a tenant a permanent right to remain in a rental once a landlord seeks possession. Bankruptcy may […]
When Debt and Housing Collide: A Renter’s Guide in Illinois Key Takeaways: Filing Chapter 7 bankruptcy can pause an eviction through the automatic stay under 11 U.S.C. § 362, but it generally won’t let you keep the unit if the landlord has a lawful right to possession, especially with an existing judgment. Bankruptcy can discharge […]
How Chapter 7 Bankruptcy Can Stop Wage Garnishment in Chicago If a creditor is taking a chunk of every paycheck, Chapter 7 bankruptcy may offer the fastest path to relief. Filing for bankruptcy triggers an automatic stay that immediately stops most wage garnishments, giving you room to breathe while the court sorts out your debts. […]
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