Credit Score Factors: What Are They?

There is a common misconception among credit consumers that if they simply “pay their bills on time,” they will automatically have a high credit/FICO score — this is not the case. Although timely payments are […]

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Increasing Your Credit Score After Bankruptcy: Understanding Utilization Rates

The goal is to get back in the game — the game of credit. But to do that, you must increase your credit score. The first rule to get a higher FICO score is to […]

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Can Past Taxes Be Discharged In a Bankruptcy?

In some cases, income and other types of taxes can be discharged in bankruptcy. However, you must have filed your tax return, ideally on time. An experienced bankruptcy lawyer will be able to determine if […]

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Chapter 7 vs Chapter 13: What Are the Differences?

A common question asked by potential clients that come to our Chicago office is what the differences are between a Chapter 7 and a Chapter 13 bankruptcy. The contrasts are stark and can affect people […]

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As you may already know, I am a Chicago Bankruptcy Attorney

As you may already know, I am a Chicago Bankruptcy Attorney, practicing for over 30 years in City of Chicago and its suburbs.  One of the most common questions I hear is about employers requesting […]

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Nowadays

Nowadays, it seems that everyone I meet is “upside down” on their home. What does that mean? It means that they owe way more than their home is worth. And the really sad thing is […]

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Should you file for bankruptcy?

Well, only you can decide that question. Perhaps with the help of an attorney or other counselor, you can help make your decision. What factors should you think about? Here are some ideas to get […]

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