Legal Question in Bankruptcy in Illinois

Bankruptcy might be a good idea for someone in your situation who is failing to make payments on the necessities such as home and transportation. What the bankruptcy will do for you is a question that can be discussed with a bankruptcy attorney. Many bankruptcy attorneys such as myself offer a free consultation so you can describe your situation and get more information before deciding whether you wish to file for bankruptcy or not.

That is a difficult determination to make within the limits of a site like this. I agree with Attorney Goldberg that a bankruptcy may fit your situation. As his answer suggests, I final determination would be best after a consultation with one or more attorneys who gain a better understanding of the totality of your circumstances and let you evaluate options and expected outcomes (e.g., what is likely to happen if you do not file bankruptcy).

The scope of this space does not afford an opportunity to assess the situation and advise you. I recommend you assemble for legal consultation: (1) household income information for May 2015 through the present, including wages and unemployment during that period; (2) all your bills and collection notices (copies neatly assembled, back pages included); (3) last two years� tax returns; (4) a credit report (use www.annualcreditreport.com to obtain free report if not requested in last year); and (5) other information that may apply, such as copies of lawsuits. Call at your earliest convenience to afford the most opportunity in which to be advised about your best course.

I do not recommend filing bankruptcy on your own. There are too many complex issues. I have seen several posts on this site for debtors who filed on their own and are seeking counsel concerning complications. Most of them will have a hard time finding an attorney to get involved to unwind the mess without the attorney charging several times what would originally have been paid.