Chicago, Illinois Bankruptcy Attorneys

Heller & Richmond, Ltd.

33 N Dearborn St.,
Ste. 1907
Chicago, Illinois 60602
USA

(312) 488-1178 or (888) 326-8794

(312) 781-6732

www.affordablebankruptcychicago.com

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Law Firm Overview Free Consultation

At the Law Office of Heller & Richmond, Ltd., we are a family-owned law office, who are commitment to clients across Illinois, that dates back to the 1950s. The skilled legal services we provide, from our family to yours, will return you to a sound financial footing.

Our attorneys are trustworthy, and can relate to your problems, share your goals, and strive to execute them in the most affordable way possible. At Heller & Richmond, we keep in mind your need to save money, so to ease your anxiety we have developed reasonable rates and flexible payment plans to help assist you through this difficult time in your life. Our attorneys determine your eligibility for Chapter 7 bankruptcy protection via the "means test." If your income is too high to qualify for a Chapter 7, we can recommend the Chapter 13 strategy of debt reorganization and gradual repayment of a portion of your debt over time.

In either approach, you can obtain an automatic stay. This will grant you immediate relieve of pressure from a threat to foreclose on your home or repossess your motor vehicle, stop the garnishment of your wages and absorb punishing creditor harassment at home or office, day or night. At Heller & Richmond, we want our legal expertise and decades of experience to give you breathing room, confront your debt, and give you peace of mind as you are tackling your problems in a constructive way.

We inform you of the impact that a bankruptcy can have on your tax situation, how a business bankruptcy can proceed while your small company continues to operate, and what to do after a bankruptcy to rebuild your credit. Our law firm is dedicated to giving you full services in meeting your needs and, above all, affordable. Get sound legal advice and keen client commitment that comes from our family to yours.

Practice Areas

Foreclosure

Additional Practice Areas: Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Business Bankruptcy; Stop Repossession; Stop Wage Garnishment; Stop Creditor Harassment; Credit Card Debt; Rebuilding Your Credit; Medical Debt; IRS Issues/Bankruptcy & Taxation; Payday Loans/Online Cash Advances; Driver's License Suspensions; Alternatives to Bankruptcy.

Practice Areas Description

At Heller & Richmond, Ltd., our experienced attorneys educate you on, and guide you through, all phases of the bankruptcy legal process, including:

- Chapter 7 Bankruptcy

Our emphasis on debt relief for families can be traced to the family background of our trusted law firm. We grew out of a family operated law firm that began in the 1950's. We relate to your financial difficulties as problem-solving attorneys and family members. We listen to your wishes and goals, and carry them out with poise and professionalism. We answer your questions honestly and thoroughly, chart a course that's comfortable for you and guide you smoothly from start to finish of the Chapter 7 bankruptcy legal process.

- Chapter 13 Bankruptcy

When you file for a Chapter 13 bankruptcy, you can propose a debt repayment program to the court and your creditors. After a comfortable three- to five-year period of repayment, your debts are considered paid, regardless of any alleged outstanding balances. You are allowed to use court-determined disposable income to pay down those debts, often at significantly reduced payment levels.

- Business Bankruptcy

Whether your business goal is a restructuring or re-scaling as a response to hard times, or to eliminate debt and generate a "fresh start," our skilled business bankruptcy law firm can get you to your goal smoothly, gradually — and at prices you can afford. Your company may be located in inner-city Chicago or a surrounding area like Schaumburg, Skokie, Wheeling or Joliet. Regardless, the lawyers offering sound business bankruptcy advice at affordable prices are Heller & Richmond, Ltd.

- Stop Foreclosure

If your mortgage company is threatening a foreclosure action on the Chicago-area home you worked so hard to afford or if your joblessness and family or business financial distress have become so devastating, economically and emotionally, that you are considering filing for bankruptcy, Heller & Richmond, Ltd. can help. Our skilled Chicago lawyers of Heller & Richmond listen carefully to your account of the drama your bank is creating, your overall financial picture and expressions of your wishes and goals.

- Stop Repossession

In this mobile society, in this uncertain economy, a motor vehicle is necessary for transportation — to help you get to your job, so you can provide for your family. When that lagging economy takes over, and a job is lost and income for car or truck payments is hard to come by, your bank could come after you to try to repossess your motor vehicle. You can stop repossession, starting today, with the help of our dedicated bankruptcy lawyers at Heller & Richmond, Ltd.

- Stop Wage Garnishment

Are you so deeply in debt that an anxious creditor has obtained a court order to garnish wages from your paycheck? In metro Chicago and suburbs such as Schaumburg, Skokie, Wheeling and Joliet, from Waukegan to the north and Chicago Heights to the south, from Woodstock to the northwest to Aurora to the southwest and everywhere in between, the experienced bankruptcy lawyers at Heller & Richmond, Ltd., can help.

- Stop Creditor Harassment

You have the right to sue, post-automatic stay, if a creditor abuses or intimidates you, verbally or physically; uses threatening or profane language; publishes your name as a debtor; pays a surprise visit to your home or place of employment; contacts you by phone to harass, disturb or annoy you; misrepresents the amount of your debt; or misstates the consequences for nonpayment of debt. Talk to a lawyer. Get harassing creditors off your back, and breathing room for the debt relief you need, by talking to a lawyer at Heller & Richmond, Ltd., today.

- Credit Card Debt

When helping you attack your credit card debt, we offer reasonable rates and flexible payment plans that reduce your money worries, so you can focus on the task at hand. Our combined nearly 100 years of experience with a broad range of consumer bankruptcy clients, and extensive legal knowledge of Chapter 7 and Chapter 13 protections, can increase your chances of returning to a sound financial footing.

- Rebuilding Your Credit

You may want to buy a home again someday or start a business after a bankruptcy. We show you how to rebuild your credit so that lenders will have full confidence in your ability to repay what you borrow. Our credit counseling and credit repair recommendations can pave the way for that positive outcome.

- Medical Debt

Unpaid medical bills are considered unsecured debts. Most or all of them can be eliminated in a Chapter 7 liquidation bankruptcy filing, for the "fresh start" you need. You could also choose to repay a portion of them over time during a Chapter 13 bankruptcy.

- IRS Bankruptcy

Some types of federal or state tax debt cannot be eliminated. Some or all of what you owe will still be there, to be paid after your bankruptcy is executed. Heller & Richmond lawyers can research your problem, carefully examine your financial situation and suggest a practical, workable solution. We are problem-solving lawyers in the truest sense of the term. Your ability to satisfy tax debt during bankruptcy will depend on how long you've owed the money, the length of time since your tax return was due, the length of time since it was filed and how much time has passed since the tax was assessed.

- Payday Loans / Online Cash Advances

Payday loans can start a vicious cycle of borrowing from one loan company to pay another. Post-dated checks, wage assignments, online cash advances — they may seem like the right thing to do when other creditors are calling, and you need to be able to afford the necessities of life. Fortunately, Heller & Richmond lawyers can work with you to eliminate these debts through a Chapter 7 bankruptcy filing.

- Driver's License Suspensions

Has your driver's license been taken away from you because of a car accident when you lacked liability insurance? Our experienced attorneys can help you get it reinstated, so you can resume traveling to your job, to provide for your family. Get the facts you need about the connection between debt and your driver's license. Learn the options that can lead to sound decisions.

- Alternatives to Bankruptcy

If you are interested in pursuing the range of bankruptcy alternatives for your family or company, we can help — at Heller & Richmond, Ltd. We are a family-based law firm that has successfully assisted clients in the metro area and suburbs for decades. The quality legal services you receive from us come from our family to yours — and at prices you can afford. A wide variety of bankruptcy alternatives awaits you — credit card debt and business debt settlement, mortgage loan modifications, short sales and reverse mortgages, just to name a few. What you need right now are facts, and the leadership of a skilled bankruptcy attorney who can make you aware of your options.