Bankruptcy: Dispelling the Myths and Embracing a Fresh Start

Struggling with overwhelming debt can feel isolated, especially when surrounded by misinformation about bankruptcy. Whether considering Chapter 7 or Chapter 13, separating fact from fiction is crucial for making informed financial decisions. At Robert J. Adams & Associates, also known as The Bill Slayer, we’re here to empower you with the truth about bankruptcy. MYTH […]

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The Road from Bankruptcy to Homeownership

When burdened with overwhelming debt and a strong desire to own a home, initiating bankruptcy can be the constructive first step. This often misunderstood step can pave the way for your homeownership dreams. You heard me correctly. File Bankruptcy. By wiping out unsecured debts, you can start fresh. But don’t waste your bankruptcy. Treat it

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LIFE AFTER BANKRUPTCY: A Path to Rebuilding Your Credit

Imagine a world where your unsecured debts, such as credit cards, personal loans, auto repo deficiencies, and medical bills, are wiped clean. This is the purpose of Chapter 7 Bankruptcy. However, when people are overwhelmed with debts, why do many avoid the obvious bestsolution? Common Misconceptions About Bankruptcy In today’s world of credit, one lives

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Wage Garnishments in Illinois

It’s Your Money-Keep It WAGE GARNISHMENTS IN ILLINOIS, HOW IT WORKS& HOW TO PROTECT YOUR MONEY Are your wages being taken away? You’re not alone. Many people have this problem. But there is good news. TheBillSlayer (Law Firm of Robert J Adams) can help you keep your paycheck. Here’s how: How Bankruptcy HELPS What is

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Wage Garnishments in Illinois

Understanding Wage Garnishments in Illinois: How to Protect Your Earning Are you currently facing wage garnishment and struggling to protect your hard-earned money? Don’t despair! Filing for bankruptcy will stop the wage garnishment. You will regain control of your finances. This Article explains the Illinois Garnishment law. How Bankruptcy Can Help: Whether Chapter 7 or

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How Does Filing Bankruptcy Have Favorable Impact on Credit Score

Not  being able to pay your bills as they become due lowers your score  dramatically to the lower 500s, sometimes the 400s. If it is multiplied  with a lawsuit, a garnishment, repossession, multiple items with the  credit bureau, your score goes down dramatically. If you get rid of all  those debts, you start from scratch,

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Does Bankruptcy Stop Creditor Calls?

The  pandemic has been a serious blow to all our lives. Good folks are seeing  their work hours reduced, their wages lowered, or facing unemployment.  This causes financial stress and even emotional distress. Many family  businesses have closed their doors for good. When  you struggle with bills and start missing payment — your creditors  don’t

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What to Expect After Bankruptcy

In 2020 almost 20,000 people filed personal bankruptcy in the  Chicagoland area. Economists expects more and more people will need  bankruptcy relief. There are 2 bankruptcy chapters for  individuals: 1) reorganizing debts under Chapter 13, or 2) a full  discharge of debts under Chapter 7. We’ll cover the differences soon.  There’s also Chapter 11: mainly

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Get a 720 Credit Score After Bankruptcy

Millions of Americans have benefited from the United States Bankruptcy laws. Chapter 7 discharges crushing debts. Chapter 13 reorganizes debts. It allows you to keep needed assets. For instance, your car and/or your home. Either of these Chapters gives you a financial “FRESH START.” What happens after Bankruptcy? People need credit. People must rebuild their credit

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