Skip to content

Chicago Medical

Bankruptcy Law

Chicago Medical Debt Lawyer

Are you overwhelmed with enormous medical debt in Chicago? Sadly, numerous Chicago residents grapple with prolonged medical bills, often without a clear strategy for repayment.

At Wonais Law, LLC, our Chicago medical debt attorney helps people like you eliminate medical debt and regain control of their finances. Schedule a free consultation to discuss your situation with us today and learn the best plan of action to eliminate your medical debt.

What Are Your Options for Relief From Medical Debt?

The bankruptcy code provides you with two options to get relief from medical debt:

  • File for Chapter 7 bankruptcy and discharge your medical debt.
  • File for Chapter 13 bankruptcy and pay back your medical debt over time according to a plan.

Both options have their pros and cons and different eligibility criteria. The one you can pursue and favor depends on your situation.

Overview of Chapter 7 Bankruptcy

Chapter 7 bankruptcy is the default option for many people facing financial trouble. It helps you wipe out all your unsecured debts; therefore, it’s popular among people and the preferable choice for those struggling with medical debts. Unsecured debts are those against which you do not provide any collateral, such as:

  • Unpaid medical bills
  • Credit card debt
  • Payday loans

Pros of Filing for Chapter 7 Bankruptcy

  • It can eliminate your entire medical expenses arrears and almost all other unsecured debts, giving you a fresh financial start.
  • It’s the quickest. You can complete the whole process in a few months.
  • The moment you submit your Chapter 7 petition, an automatic stay comes into effect and stops all collection efforts of creditors. It means no more harassing phone calls, threatening letters, or wage garnishments.

Cons of Filing for Chapter 7 Bankruptcy

  • It depresses your credit score, affecting your ability to take new credits for the next ten years.
  • It seizes your non-exempt assets and distributes them among creditors to pay off your debts.

Non-exempt assets include:

  • Cash, bank accounts, stocks, bonds, and other investments
  • Second car or truck
  • Second home or vacation home
  • Valuable items like jewelry
  • Collection of stamp coins
  • Family heirlooms

Overview of Chapter 13 Bankruptcy

Chapter 13 is an innovative approach to dealing with enormous debt. It helps you discard your medical debt and allows you to keep all your assets simultaneously. In chapter 13, you propose a plan to the bankruptcy court that outlines how you will repay your debts in the next 3 to 5 years. It’s known as a repayment plan.

Pros of Filing for Chapter 13 Bankruptcy

  • You can keep your assets and repay the debts over a certain period.
  • Although your plan must satisfy definite standards to gain bankruptcy court approval, you can dictate repayment terms.
  • The creditors must cease all collection efforts after you file for Chapter 13. They cannot harass you, and you are only required to make payments as per the repayment plan.

Cons of Filing for Chapter 13 Bankruptcy

  • The process is relatively long and takes 3 to 5 years to complete.
  • It has an impact on your credit report for the next seven years.

Why Choose DebtPros in Chicago for Your Medical Debt Solution

Our experienced bankruptcy attorneys have helped hundreds of patients in Chicago who lost control of their finances and drowned in the sea of medical care debt regain financial stability.

Unlike other bankruptcy law offices in Chicago, Wonais Law, LLC doesn’t believe in completing just another case. Instead, we adopt a personalized approach and understand the unique circumstances of your case. It enables us to provide a solution that caters to your needs and secures your best financial interests.
Call us to discuss your medical debt with our Chicago bankruptcy attorney, John Wonais. We understand the financial challenges you likely go through. Therefore, we provide free initial consultation and believe in helping you get back on your feet. We have expertise in the bankruptcy code and can help you start a debt-free life.

Client Testimonials

What Our Clients Say

I want to start by saying THANK YOU! John was patient, prompt, informative and easy to work with. In our time of need, he helped my parents file for bankruptcy successfully and at a great price. If you are ever in the need of any services concerning your debt and potential bankruptcy litigation, I give my word and experience that John is the BEST in the Chicagoland area.

- Eric McDowell

John was outstanding in the process of my chapter 7. Not only did he keep me abreast of every step and matter that involved my BK but he was reasonable with the price and the time I had to pay him. He sent me places that accepted my Bk when it came to getting a new car as well and his communication was an A+. There was never a time I couldn’t reach him and if he missed my call he would proceed to call back before the day over or early the next day. I recommend him to any and everyone!

- Lamar Johnson

John is a great lawyer to work with. It’s easy to be honest and share things with him. It felt good to communicate with him. When I reach out to him, he is very good at answering the phone or responding when he can. I recommend his work as well. He’s very organized and gets things done. Thank you John.

- JP W

This guy made my experience so smooth I would recommend him to anyone who is thinking about filing for bankruptcy. He is very patient with his clients and Is very informative. Every question I had he answered even if I asked it twice. Highly recommend!!!!!!

- Nikita Nichols

John is very patient, he’s worked with me from start to finish. Always answer my questions and never made me feel like I’m a bother. Never made me feel like I’m a number in his book. He’s very helpful and caring which is why I’d recommend him over any bankruptcy lawyer. Thanks John for all you do.

- Corey Ross

Thank you team DebtPros! The choice to file was not easy, but it was the best decision for my family. John, I appreciate your kindness, thoroughness, and professionalism. I feel like you’ve guided me through this process in a very personable way. Thank you for always being available to chat, and making the experience so efficient and understanding. I can see the silver lining toward a fresh start! Thank you again & Have a wonderful summer. Sincerely, SB.

- Shelly Boyki

I am honored to provide such a financial relief feedback for this amazing blessing whose name is Atty. Wonais. There is so much I could share endlessly about his superb knowledge and service that he offered me as his client. However, I will share what I found to be essential in my financial issues that Atty. Wonais selflessly provided to me as his client; his expertise, his ability of trustworthiness was "everything" oh my goodness he is truly trusting thru the entire process.

- Val B.

I was referred to them, and this has been the best decision I have ever made. I never been this confident in a person like I am with John. He heard my needs and wants, he made it possible to give me that. Excellent customer service. He put all my options on table to fit my needs. He never sugarcoat he gives it to you like it is meaning he’s not rude or unprofessional. He’s that person that tells you what you need and bot what you want. I have referred all my friends and family to his service.

- Nicole Murray

So one night I went online looking for advice on google and John came up and I called him on the weekend late evening and he happened to answered which was awesome. John helped me out with my situation he gave me amazing advice and options on how to take on my problems the right way. John is super easy to talk to Very informative and he answered all my questions.

- Freddy

This office and staff was amazing. I was referred to John from my best friend and as soon as I reached out he was very prompt on getting back to me and helping. From start to finish the process was amazing stress free and straight forward. He stayed in communication no matter what time of the day. If I had a question he had the answer. His tips and tricks and knowledge helped me a lot and made me more comfortable and excited about starting over.

- Kierra Smith

John took me on as a client with no problem. He was very understanding, passionate, helpful and available every step of the way. Trust me I am a very happy client, I definitely recommend John.

- Jessica Burton

John did a wonderful and seamless job with my case-he handled everything properly and was very timely in all of his communication. He is professional and reliable. I would highly recommend him to anyone who may have to deal with a bankruptcy. Five stars!

- Ashley I.

I had a great experience with Wonais Law, LLC. John is very patient and replies right away to any questions or concerns that you have. I would recommend his services to anyone.

- Erika Sing

If I can leave more stars I will. Wonaia Law is highly recommended. John is great with making sure I understand everything that was going on, I really appreciate how he’s always there to answer any questions I have ... My chapter 7 is just about over and I have 2nd chance with living life debt free.

- Tiffany Austin

John Wonais is responsive, professional, and cares for his clients. He is extremely experienced in civil litigation and has answered all of my questions in a way that I can understand as someone with zero experience in law. He has gone above and beyond and has always made sure to follow up with me when I’ve needed it. I truly feel that he has my best interest at heart.

- Ariana Khosravani

I really wanna give a big thanks to John he helped me out a lot. He walked me through everything to make sure I understand, good quality. I don’t think I could of did it without him ?

- Twona Gibson

He gave an expert and advise and a great service. He went all out to be sure I got a solution to the issue I had.

- Betty Salami

I want to thank John for helping me win my case he was very helpful throughout the process and very professional, thanks again.

- Diana M.

I was very impressed on how quickly I was responded to, and how my lawyer John made everything so easy for me to understand. I have never had to hire a lawyer before, and I'm really glad that I met such a professional, and honest person. I would highly recommended.

- Angela Mata

DebtPros is a law firm that specializes in consumer bankruptcy. John has years of valuable experience and is dedicated to helping clients file for bankruptcy. John is responsive and provides a free consultation to prospective clients. I recommend this firm to anyone who is considering filing for bankruptcy.

- Taylor Kosla

John Wonais provided me with timely and beneficial legal counsel. I would trust his firm to represent me in any creditor-related case. John's professionalism and expertise are second-to-none; highly recommend his services.

- Richard Young

Very helpful, professional and they’re reasonably priced.

- Anthony Brown

Great Professional Service- I have been working with Wonais Law the past couple weeks and I have been blown away from their attention to detail and professionalism. They get work done quickly and are extremely responsive. I would recommend this firm to everyone needing legal services.

- Andres Jara

Free Consultation - Call 24/7

Fill out the contact form or call us at (312) 883-5422 to schedule your free consultation.

Send Us A Message

Visit with an experienced bankruptcy attorney in your area or call now for a virtual consultation.