Affordable Legal Services - Quality - Experience - Knowledge
The Smart Choice
Call today for a free consultation
on Chapter 7 and Chapter 13 Bankruptcy!
(312) 834-3453

If your bills and debt have you worried and concerned, and if you are facing any of the following, call us today for a free no obligation consultation: 
creditors threatening you
wage garnishment
license suspended
car booted
debt problems, 
creditor harassment
parking tickets
payday loans
medical bills
want to clear up your credit,

We offer legal services in bankruptcy as well as non-bankruptcy alternatives that could better serve your individual case. If you are considering filing for bankruptcy we can advise you of both benefits of bankruptcy, the bankruptcy process, non-bankruptcy options, and we can help you to determine if bankruptcy is right for you.

Our clients over the decades have told us about the relief they have felt in their life after bankruptcy, and how being free from constant creditor calls, legal threats and stress has changed their lives and helped them move forward with a fresh start. The first step is to contact our law firm to evaluate your personal or business financial situation and determine the best solution in your individual case. Let us help you resolve your debit issues to get back on your feet financially so we can help you with the tools necessary to help you start rebuilding your credit.
Our Law Firm understands that you would not be contacting our office or even contemplating the possibility of bankruptcy if you were not already under considerable amount of embarrassment and stress involving your financial situation. We are sensitive to the fact that even contacting a Law Firm to inquire about bankruptcy as a possibility can be intimidating so we always do our best to respect your feelings and concerns when discussing your financial situation.

The bankruptcy laws were enacted for people just like you. Today’s economy has affected everyone. Our bankruptcy clients include doctors, lawyers, grandmothers, single mothers, people just like you. When your financial situation is out of control, you have the opportunity under federal bankruptcy laws for a fresh financial start. This is a big decision, and it is important that you understand the process, and all of the benefits and risks. Our legal team is committed to helping you resolve these issues quickly, confidentially and effectively.

Call today for a free private consultation (312) 834-3453

HOW MUCH DO YOU CHARGE IN LEGAL FEES FOR A BANKRUPTCY?Yes we have Affordable payment plans and an Internet Special Rate. 

Our Chapter 7 bankruptcy law firm legal fees are $1,500. However, we have a Winter Internet Special: with Law Firm fee as low as *$695 saving you over $800 from our regular rate $1500 for Chapter 7, not court fee.

Our Chapter 13 bankruptcy case can be filed with the court as low as paying your $310 court filing fee down payment. Since a Chapter 13 Bankruptcy is a 3 to 5 year plan, the fees are higher than in a Chapter 7. The Court's Approved Chapter 13 Law Firm Flat Fee rate $4,000 which our Law Firm and the majority of Law Firms adher to the Court Approved rate. Your Chapter 13 Law Firm fees are spread out and included and paid in your monthly Trustee plan payments for the term of your plan and paid after your case is filed. Your monthly plan payments are set by the court after a intricate mathematical calculation determined by the radio of percentages of your debts, income, allowable expenses, etc. to fit your individual financial needs.  

HOW FAST CAN MY CASE BE FILED? Your case can be filed as soon as the very next day after you complete your Pre-Filing Requirements and pay your fees. It is up to you how fast your case can be filed by how quickly you complete your Pre-Filing Requirements.

BANKRUPTCY LAWS, CHAPTERS? WHICH CHAPTER IS BEST FOR ME?  Bankruptcy rules and regulations and laws are very complicated, serious, and change regularly. Only a licensed Attorney can understand the legal intricacies and current requirements necessary for a Bankruptcy. Our licensed experienced Attorneys will analyze your financial situation and provide you the benefits of each of the chapters in bankruptcy to determine which would be best for your particular situation. Only a licensed Attorney can provide legal advice and represent you at your court examination hearing.

COURT EXAMINATION HEARING?  Do I have a Court hearing? If we represent you, our Law Firm licensed Attorneys will be with you representing you at your Bankruptcy Court Hearing.  Yes, at your court examination hearing you will be sworn under oath and everything you say at the hearing will be tape-recorded. If you lie under oath at the hearing, you can go to jail and or be fined as much as $250,000. A prudent person would want to have their licensed Attorney next to them, so that they do not get confused and make a mistake that can result in them going to jail or being fined. Only a licensed Attorney licensed can represent a you (a debtor) at the Court Examination Hearing. 

NON-LAWYER: If a non-lawyer is providing you advice on bankruptcy laws, rules or asking to prepare your Bankruptcy legal documentation trying to make a quick buck from you when then are not licensed Attorneys, contact the police, they may be committing the serious crime of unauthorized practice of law, by providing legal advice without a license which they can be arrested and put in jail. In addition, you are only allowed to file Bankruptcy every eight (8) years. Therefore, if you hire a non-lawyer, who may be uneducated with  only a high school degree to do your Bankruptcy, they can not represent you at your court hearing, and if they make a mistake, your Bankruptcy can be denied, you can be barred from filing another Bankruptcy, you can have assets taken away from you, you can get into serious legal problems, and you can be arrested and thrown in jail if you failed to disclose or misstate something on your Bankruptcy papers, and could be fined as much as $250,000.00. So do not take a chance with something as serious as a Bankruptcy, hire a licensed Attorney to do your Bankruptcy.    

Your case can be filed as soon as the very next day after you complete your Pre-Filing Requirements and pay your fees. It is up to you how fast your case can be filed as how quickly you can complete your Pre-Filing Requirements.

WHAT IF I WAIT, WILL IT GET BETTER?  Contact us before your situation gets more serious, and increased debt collection litigation, if you are interested in discharging your debt. Creditors can garnish your wages and seize your bank accounts, etc.

STRICT RULES AND DEADLINES:In 2005 Congress enacted laws that make it very difficult and complicated to file for Bankruptcy. There are now many complex new rules and strict court procedures that must be complied with by strict deadlines. Filing for bankruptcy now also requires certain debt counseling from an accredited agency. If you are in danger of repossessions, wage garnishment, or are facing the threat of foreclosure, we offer legal services to help you get your financial difficulties under control.  We will assist you to get all the prerequisites of bankruptcy completed quickly so that you can get the relief you so badly need.

Call today for a free private consultation (312) 834-3453
I know the Court also charges a filing fee, are they different in Chapter 7 and chapter 13? In a Bankruptcy, a debtor is paying about three (3) entities for providing services to them. The Law Firm, the Court, and a course provider. Each entity (Court, Law Firms, Providers, etc.) controls and sets their own fees. Most Law Firms charge approximately $1,500 to $3,000 for legal fees for a Chapter 7 bankruptcy. Our Law Firm fees for a Chapter 7 Bankruptcy are $1,500. However we have a Winter Internet Special with Law Firm fees as low as $695.  The Court charges you a filing fee to file the Bankruptcy papers with their Court, they presently charge $335 to file a Chapter 7 Bankruptcy with them, and $310 to file a Chapter 13 Bankruptcy with them. Court also requires you to complete courses with court approved providers. Each provider charges different rates for their courses and services. The Law Firm provides you with a list of providers and their costs. The Law Firm has no control over what the Court charges or what the providers charge for their services. None of the fees the providers charge for their courses or services, nor the Court's $335 Filing Fee it charges to file a Bankruptcy are included in our Law Firm fees.  Our Law Firm fee does not include Court Filing fee nor providers fees. In addition, many of the other Law Firm's fees of the $3,000, $1,750 etc. also often do not include the Court's $335 Chapter 7 Court Filing fee, one needs to ask.  

Our firm provides personal legal services in filing for bankruptcy, including the chapter in which the majority of your unsecured consumer debt will be completely discharged - you will be free of it. We also can help you file chapter 13, a good option for those who do not qualify for chapter 7 due to too many assets or are above the median income to be eligible to file chapter 7. There are alternatives to bankruptcy that should be evaluated with regard to your case, as it may not be necessary for you to file for bankruptcy at all when another solution will resolve your problems.

At our Law Firm we will analyze your financial situation and advice you with regard to the different chapters of the Bankruptcy Code. We also advise you with regard to the bankruptcy exemptions and what property you will have a right to retain under Illinois state law in a Chapter 7. We can provide you with accurate information and help you avoid the making errors based upon common bankruptcy myths.

The Law Firm Attorneys must complete a complex  intricate bankruptcy means test by analyzing your income, finances and expenses including your last six months of income, paystubs, benefits, last 4 years of tax returns, bank statements etc. and must apply the detailed and complete Bankruptcy rules. Thereafter, the Law Firm Attorneys will complete an intricate and complex mathematical calculation after analyzing your complete financial documentation. This important Court requirement can only be completed after the client provides all their court required financial documentation. This must be completely accurate to determine your qualification of bankruptcy. 

Do I have to list my car, because I am keeping it? Debtor's get confused and falsely believe they have a choice in what they list in their bankruptcy. Not true, you are required by law to list all your assets and all your debt etc. regardless if you are surrendering and wiping it out in bankruptcy or not. However, having said that it does not mean that if you list a car that the Court is going to take it away from you. That is where most of the non-lawyers who falsely advise debtors in Bankruptcy can get a debtor thrown in jail for failing to disclose an assets etc. The Court requires you to disclose your expenses, assets, income etc. However, the licensed Attorney can analyze legal rules and apply legal exemption to protect your assets, i.e. your car etc. A non Attorney can not analyze or apply legal rules etc, that is a crime.  Law Firm will apply legal exemptions to protect your property. If you do not disclose you could face delays, a denial of your petition or even legal trouble if you fail to fully disclose all of your assets, and  our experienced licensed Attorneys will assist you with this process.

Our appointment and conversations with you are strictly confidential. Your friends and family need not know anything about your bankruptcy case if you should decide to file a bankruptcy. Our Law Offices handle all legal matters so when you arrive at our Firm no one will know the reason for your visit.  Once we meet with you we will assess your overall financial picture, to see whether a bankruptcy may help you in any way, or may be a viable option of solution for you that could resolve your financial problems with no need to file at all. The choice of whether or not to proceed is in your hands and you may be assured that there will be no pressure otherwise from our office. We look forward to a free initial consultation with our potential clients, in order to see if there is a way we can help them in trying financial times.
We offer legal services in bankruptcy as well as alternatives that could better serve your individual case. The first step is to contact our law firm to evaluate your personal or business financial situation and determine the best solution in your individual case.

Only an Attorney can provide legal advise to you, and prepare legal documents, and file legal documents with the court, and represent you in court. A non-lawyer who is offering and explaining the bankruptcy process or doing any of the above is committing a serious crime. When considering filing a legal bankruptcy with the federal court, it is irresponsible and dangerous to obtain advice and services from a non-lawyer. When they make an error in your case, you can face serious problems with the federal court. You will then have to wait 8 years later, because you can only file a Chapter 7 every 8 years. Don't take a chance by trying to save a buck by seeking advise from a non-law firm.

We offer guidance to seek relief in debt relief, debt litigation, and collection defense. You are protected under federal consumer law from illegal collection practices, and if you are a victim of creditor harassment, you need a Law Firm that is aggressive in moving forward with legal action against a company that has violated your rights under the Fair Debt Collection Practices Act.

It is vital that you know how bankruptcy process and debt solutions can be resolved, and get your information from a trusted legal professional that is committed to your best interests.

Call our offices today for a free consultation (312) 834-3453

Disclaimer: Affordable Legal Services LLC is a law firm and by an Act of Congress and the President of the United States, Affordable Legal Services LLC. is a also a federal Debt Relief Agency. Attorneys and/or law firms promoted through this website are also federally designated Debt Relief Agencies. Our Law Firm helps people file for relief under the U.S. Bankruptcy Code. Disclosures Required Under the U.S. Bankruptcy Code. The material on this website is advertisement and for informational purposes only. This web site may be considered advertising in some jurisdictions under the applicable law and ethical rules. The information you obtain at this site does not constitute legal advice nor the establishment of an attorney client relationship. Your receipt of the information on this web site is not intended to create, and receipt does not constitute, a contract for representation by Affordable Legal Services. This information is not intended to substitute for obtaining legal advice from an attorney. Regarding your individual situation, do not rely upon information on the Internet, you should consult an attorney for advice regarding your particular situation. The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. No person should act or rely on any information in this site without seeking the advice of an attorney. You should be aware that the Statute of Limitations (the deadline imposed by law within which you may bring a lawsuit) may severely limit the time remaining for you to file any potential claims you may have .Please be aware that the sending of an e-mail message to Affordable Legal Services does not contractually obligate Affordable Legal Services to represent you as your attorney. Affordable Legal Services cannot serve as your counsel in any matter unless you and our firm expressly agree, in writing, that we will serve as your attorneys. Law Firm members are Peter L. Quinn, Esquire. and S.M.deRath, Esquire. Members of the firm practice in federal district courts throughout the United States. Members of the firm are licensed to practice in Illinois. The material is not guaranteed to be correct, complete, or up to date. Affordable Legal Services will, to the full extent permitted under the law, protect your name and confidential information against disclosure, publication or unauthorized use. Affordable Legal Services does not offer any guarantee of case results. Prior results do not guarantee a similar outcome. Our managing partner is Attorney Peter Quinn. We invite you to contact us and welcome your calls, electronic mail and letters. However contacting us does not create an attorney client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established in an in-person meeting with our law firm and signing retainer documentation, etc.  Any information you submit to Affordable Legal Services LLC may not be protected by attorney-client privilege. All photos are of models and do not depict clients. All case evaluations are performed by participating attorneys. An attorney responsible for the content of this Site is Peter L. Quinn, Esq., licensed in Illinois. Law Offices are located at 233 S. Wacker Drive, Chicago, Illinois 60606. Affordable Legal Services attorneys provide legal advice and practice law for clients in United States federal district court and in state courts where we are licensed to practice. 

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