Chicago, Illinois Bankruptcy & Student Loan Attorney

Glanzer & Associates, PC

Glanzer & Associates, PC
101 West Grand Avenue
Suite 200

Chicago, Illinois 60654

Phone(312) 644-2227

E-mail  Contact Mr. Charlie Glanzer

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Law Firm Overview

Glanzer & Associates, PC  is a Chicago, Illinois bankruptcy and student loan law firm that represents clients throughout the state in their most difficult issues of debt and financial burden. They lawyers of the firm are experts who have resolved complicated matters through various means of debt relief, and they are ready to provide you with the counsel and advocacy you need in order to overcome your financial obstacles. The firm's team is aware of the stress involved, and they know that you are tired of feeling like your money is not really yours.

The attorneys of Glanzer & Associates, PC are tenacious representatives whose approach is informed by a comprehensive understanding of debt and bankruptcy law, and driven by a sincere desire to help people improve their situations and their lives. They know that you are tired of living with the intimidation of creditors, the threat of foreclosure, the feeling of an uphill battle, and they know that you need the quickest solution possible. The lawyers of the firm provide clients with diligent and precise legal counsel that is mindful of the urgency involved in serious financial crises.

Languages: English

Areas of Law

Additional Areas of Law: Bankruptcy Process; Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Bankruptcy Myths; Bankruptcy Timeline; Benefits of Bankruptcy; Chapter 7 vs. Chapter 13; Credit Repair; Creditor Harassment; Eliminating 2nd Mortgages; Emergency Chapter 13; Income Tax Debt.


Charlie Glanzer Mr. Charlie Glanzer
Bankruptcy, Credit and Mortgage, Debt Relief



  • Better Business Bureau
  • National Association of Consumer Bankruptcy Attorneys

More Information on Glanzer & Associates, PC

Bankruptcy Attorney in Chicago, Illinois
Chicago, IL Chapter 7 Bankruptcy Lawyer
Chapter 13 Bankruptcy Law Firm in Chicago
Chicago, IL Creditor Harassment Lawyer
Credit Repair Attorney in Chicago, Illinois
Chicago, IL Income Tax Debt Law Firm
Benefits of Bankruptcy in Chicago, IL
Glanzer & Associates, PC Blog

Articles Published by Glanzer & Associates, PC

 Stopping a Tax Offset for a Defaulted Federal Student Loan – Chicago Bankruptcy Attorney

Federal student loans are guaranteed by the US government and administered by the Department of Education. When a borrower defaults on the loan, the Department of Education may refer the loan to the Department of the Treasury for collection. The Treasury issues your tax refund check, which can be offset to pay your defaulted student loans. The Treasury will offset your entire refund, even if it includes money owed to your non-obligated spouse or an earned income tax credit.

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 Top Five Don'ts Before Filing Bankruptcy

Many people start financial planning when the decision is made to file bankruptcy. Financial planning is good, but doing it yourself can be disastrous. In particular, there are five activities that can cause serious problems in your bankruptcy case, so today’s article is a list of the top five activities to avoid before you file bankruptcy.

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 Dismissing Your Bankruptcy Case

The most common goal in bankruptcy is the discharge; however the discharge is not every debtor’s goal. For some, the goal of bankruptcy may be to use the automatic stay to postpone a legal action, like a foreclosure or a lawsuit, while the debtor negotiates a settlement. For others, it may mean buying time to refinance a debt. When the objective is met, these debtors may want to dismiss the bankruptcy case. The bankruptcy code contains special provisions for dismissing a bankruptcy case.

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 Advantages of Chapter 13 Bankruptcy

There are several differences between Chapter 13 and Chapter 7 which offer special advantages under the right circumstances. The most common types of personal bankruptcy are Chapter 7 and Chapter 13 bankruptcy. A Chapter 7 bankruptcy is an “erase-your-debts-and-start-fresh” bankruptcy. The Chapter 7 case typically takes around four to five months and most unsecured debts are discharged.

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 Budget Like It’s 1971

Chances are you can make big cuts in discretionary spending for high tech products and services. This article will look at how we can save money on three technologies that were not commercially available in 1971. In the 1980’s Prince sang, “Tonight I’m gonna party like it’s 1999!” Well, if you’re being financially squeezed, perhaps it’s time to “budget like it’s 1971!”

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 Distressed Homeowner Fraud Scheme Uncovered

There is an old saying, "A drowning man will grab even the edge of a sword." For a homeowner drowning in debt, any assistance may seem beneficial. Unfortunately, there are scam artists that use a desperate situation to make a few quick bucks. Case in point is an Austin, Texas, man who recently pled guilty to operating a foreclosure-rescue scam.

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 Fresh Start on a New Year

The first few months of the year are a busy time for bankruptcy attorneys. There are two reasons for this: first. First, it is the start of a new year and a good time for a change. The holiday season has passed and families begin making plans for the future.

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 Debt Settlement and Your Taxes

Debt settlement ads are very attractive to individuals struggling with debt. The promise is to reach an agreement you can afford to pay. The debtor agrees to pay a percentage of the debt (usually in a lump sum), and the creditor agrees to release the remaining obligation. Sounds simple, right?

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 Saving a Credit Card for a Rainy Day?

As a bankruptcy debtor you are required to name all creditors and the amount owed as of the day your bankruptcy case is filed. These creditors are sent notice of your case directly from the bankruptcy court.

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 Lifting the Automatic Stay

The bankruptcy automatic stay is an enormously broad and powerful piece of legal protection. The stay is a temporary injunction that prohibits creditors from proceeding with collection actions against the debtor during the bankruptcy case.

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 Lien Stripping and Cram-Down in Chapter 13 Bankruptcy

In a Chapter 13 bankruptcy, secured debts, like a home mortgage or car loan, are sometimes modified through the Chapter 13 repayment plan, either by cram-down or lien stripping. These bankruptcy tools can be very beneficial because many individuals are upside-down on secured property, meaning they owe more than the property is worth.

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 Winning the Lottery May Not Help

Who hasn’t fantasized about winning the lottery when you are cash strapped? It seems that winning the lottery would solve all of your financial problems. Not so fast.

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 Three Bad Bankruptcy Mistakes Before Filing Bankruptcy

The bankruptcy laws are confusing and complicated. Fortunately Congress and the US Supreme Court have given us a guidepost by stating that the bankruptcy laws exist to help debtors who are poor and honest.

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 Nuns in Bankruptcy Court

The lesson to be learned from “nuns in bankruptcy court” is that bankruptcy is not morally wrong. There is nothing evil in seeking bankruptcy help, just as there is nothing inherently wrong with credit. Bankruptcy and credit are simply financial tools.

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 Waivers of Your Bankruptcy Rights are Unenforceable

It is no secret that creditors want to be paid. Perhaps in a perfect world every debt would be paid in full and on time. Unfortunately, life happens and sometimes individuals are not able to pay their debts. Creditors are aware of this and try to protect themselves with binding contracts and agreements. One clause that regularly appears is the “bankruptcy waiver.”

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 Foreclosure Mill Gets its Due

Foreclosure is always ugly business, but public complaints from homeowners alleging sloppy research, unethical filings, and outright lies, have made law firms that specialize in foreclosure especially villainous in the public eye.

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 Bankruptcy Petition Preparers Can Cause Big Trouble

Some unscrupulous non-attorneys take advantage of the poorest and most vulnerable by offering bankruptcy petition preparation services at a discount rate. Maybe you have seen their ads in free community newspapers. These services offer to prepare your bankruptcy petition and avoid the “high cost” of an attorney.

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 American Airlines Files a “Business Bankruptcy”

When businesses need to restructure, they turn to Chapter 11, commonly called the “business bankruptcy.”

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 Will Filing Bankruptcy Cause You to Be Evicted?

Can you get evicted for declaring bankruptcy? This is a tricky question and depends on the individual facts of your case.

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 Will I Owe Taxes on My Debts That are Discharged in Bankruptcy?

U.S. taxpayers are taxed for so many transactions. One of the lesser-known taxes is the “cancellation of debt” tax. Many consumers who successfully resolve their debts for “pennies on the dollar” receive a nasty surprise at the end of the tax year.

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 Converting Your Bankruptcy Case

When a bankruptcy case is filed the individual debtor announces his or her intent to proceed under Chapter 7, 11, or 13 of the federal Bankruptcy Code. Each bankruptcy chapter has its own advantages and challenges. During some cases, the debtor’s circumstances may change and another bankruptcy chapter becomes more beneficial. In these cases the debtor may be able to convert the bankruptcy case to a different chapter.

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 Bankruptcy’s Means Test

In 2005, Congress changed the Bankruptcy Code and added a means test to prevent “wealthy” debtors from filing Chapter 7 Bankruptcy. The means test is a calculation designed to identify debtors who can afford to pay some of their unsecured debts (for instance, credit card debt) and encourage repayment of these debts through a Chapter 13 repayment plan.

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 We Wish You a Debt-Free Christmas

This holiday season layaway is making a comeback as a financing option. Layaway was very popular with holiday shoppers years ago, but its popularity diminished as credit became easier to obtain during the 1990’s.

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 Alabama County Files Largest Chapter 9 Bankruptcy in History

Recently the commissioners of Jefferson County, Alabama, voted to file the largest Chapter 9 bankruptcy in history. The New York Times reports that the county is “roughly $4 billion” in debt. Jefferson County’s financial trouble stems from poor attempts to finance the court-ordered rebuilding of its out of date sewer system. Jefferson County is Alabama’s most populous county and home to the city of Birmingham.

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 How EBay Can Help Your Bankruptcy

EBay is an online auction website where people and businesses buy and sell goods. You probably already know that. What you may not know is how EBay can help you during your bankruptcy.

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 What Happens to a Discharged Debt in Bankruptcy?

Bankruptcy attorneys are good at hyping the bankruptcy discharge. Terms like “Erase Your Debts!” and “Start Fresh!” abound in consumer bankruptcy advertising. You may know that at the end of your bankruptcy case the court will enter an order discharging certain debts. But what exactly happens to debts that are discharged?

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 Are Your Family Finances Sustainable?

Corporate Knights, a Canada-based sustainability-focused media firm, publishes a unique list every year that predicts the world's most sustainable large corporations.

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 White House Offers New Relief to Student Loan Borrowers

President Obama has announced a plan that seeks to lessen the burden of paying back student loans. The plan calls for lowering the maximum required payment on student loans from 15 percent of discretionary income annually to 10 percent for eligible borrowers. This plan goes into effect in 2012 and any remaining debt would be forgiven after 20 years.

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 Making Monthly Payments During Bankruptcy

Automatic payments are a convenient way to pay your bills. An automatic payment is an arrangement for a specific amount of money to go from your bank account to the recipient’s bank account. Automatic payments are useful to pay monthly bills that do not change, like a monthly car or mortgage payment.

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 Chicago Bankruptcy Attorneys and Retirement Accounts

When bankruptcy is a possibility, people who live in Illinois should seek the advice of a Chicago bankruptcy attorney to discuss how their retirement funds will be treated. If you're worried about losing your retirement funds by filing for bankruptcy you may be surprised that a bankruptcy may be the best thing you can do to save your retirement funds.

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 Chapter 13 Can Help Defeat the Foreclosure Crisis

Many of today’s homeowners have more than one mortgage on their home and are struggling to pay multiple mortgages. Some people are simply “walking away” from their homes because the value of their home is significantly less than the balances of their mortgages. However, I am convinced that thousands of homeowners would be in a position to keep their homes if these second and other junior mortgages were eliminated.

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 The Differences between Chapter 7 and Chapter 13 Bankruptcies

Chapter 7 and Chapter 13 bankruptcy each serve their own purpose. Understanding the differences between the two types of bankruptcy can help you decide which bankruptcy is best for you.

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