Filing for Chapter 7 bankruptcy is generally seen as a way to gain financial relief and a fresh start. However, when debts are held jointly with another person, such as a spouse, family member, or co-signer, the situation becomes more complicated.  Individuals considering Chapter 7 may wonder what happens to these joint debts once the […]

Filing for bankruptcy can offer powerful relief for individuals overwhelmed by debt, but sometimes a question arises: is it possible to file for Chapter 7 bankruptcy more than once? The answer is yes, but with strict limitations under federal bankruptcy law.  The Bankruptcy Code establishes specific waiting periods and rules to prevent repeated use of […]

Medical debt is one of the most common forms of consumer debt in the United States, and Illinois is no exception. Many individuals wonder how long creditors or collection agencies have to pursue unpaid medical bills in Illinois.  The answer lies in the statute of limitations, a legal timeframe that governs how long a creditor […]