Personal Bankruptcy | Chapter 7

Chapter 7 Bankruptcy Attorneys serving DuPage, Kane, Kendall and Will Counties
Hiring a Bankruptcy Attorney

The first step to filing for Chapter 7 bankruptcy is to hire an experienced attorney to represent your interests. The attorneys at Springer Brown have been practicing bankruptcy law for many years and have assisted clients of all kinds. Our attorneys will meet with you to discuss your financial situation and help you determine if Chapter 7 bankruptcy is right for you. If you are not eligible for Chapter 7 bankruptcy, Chapter 13 bankruptcy, or reorganization, may be a viable option.


Understanding Chapter 7 Bankruptcy Procedure

If you choose to go forward with Chapter 7 bankruptcy, our firm will file a petition on your behalf in bankruptcy court. The court will then appoint a trustee to oversee your case. Once your petition is filed, an automatic stay goes into effect, and all debt-collection activity must stop. Before your debts are discharged, you will have to complete a financial management course and attend a 341 meeting, also known as the “first meeting of creditors.” This meeting, which is rarely attended by creditors, is fairly routine. Approximately two to three months later, the court will discharge your debts.


Debts that can be discharged in Chapter 7
  • Credit Cards

  • Personal Loans

  • Medical Bills

  • Judgments and Lawsuits

  • Utility Bills

  • Repossessions

  • Payday Loan


Debts that cannot be discharged in Chapter 7:
  • Child Support and Maintenance (Domestic Support Obligations)

  • Student Loans

  • Federal & State Income Taxes (less than 3 years old)

  • Government Fines or Fees

  • Criminal Fines

  • Intentional Torts

  • Traffic & Parking Tickets

  • Illinois Toll Way Fines


Please read out FAQ page for answers to common questions.


Filing for Chapter 7 bankruptcy is the best way to wipe the slate clean on your past financial difficulties. At Springer Brown, our goal is to help you start over financially so you can have a more secure fiscal future. Call us today to schedule a free initial consultation and discuss your circumstances.