Many of the people who come to our Chicago law office face serious financial problems such as credit card debt, lawsuit judgments, car repossessions, unpaid traffic tickets, creditor harassment, and home foreclosure.
Many people are burdened by unmanageable medical debts, high credit card balances, car loans and other debts. It can be scary, overwhelming, and isolating.
At the Law Offices of Chad M.Hayward, P.C., our lawyers can help you find a solution.
- Garnished wages
- Home in foreclosure
- Threat of vehicle repossession
- Court judgments
- Suspended Drivers License
- Creditor harassment
If you have an unmanageable amount of debt, filing Chapter 7 bankruptcy is typically the fastest way to wipe out any unsecured debt and obtain a fresh financial start. At the Law Offices of Chad M.Hayward, P.C., in Chicago, our lawyers offer a free initial consultation to determine if Chapter 7 bankruptcy is the best solution for your debt problems.
Chapter 13 bankruptcy is a debt repayment plan. However, it is different from debt consolidation in that your creditors agree to the terms of a repayment plan approved by the bankruptcy court. Filing Chapter 13 bankruptcy also protects you from adverse creditor actions such as wage garnishment, home foreclosure and harassment.
If you are feeling threatened or harassed by creditors in the Chicago area or elsewhere in Illinois, the consumer debt relief and bankruptcy Law Offices of Chad M. Hayward, P.C., is ready to help you protect yourself. Under provisions of the federal Fair Debt Collections Practices Act (FDCPA), creditors are restricted in their tactics.