Consumer Bankruptcy Lawyers in Jacksonville, Illinois

If you are facing financial difficulties, as many people are, you have options for seeking a resolution to your situation. At the Law Offices of Bellatti, Fay, Bellatti & Beard, LLP, we have been helping individuals deal with financial and other legal issues since 1876. Our firm provides informed legal guidance and experienced representation to clients located throughout West Central Illinois.

Our bankruptcy practice is focused on handling Chapter 7 and Chapter 13 filings for individuals. These are often termed the “consumer” or “personal” types of bankruptcy. We take the time to explain these types of bankruptcy and help our clients understand which type of bankruptcy filing may best serve their interests.

Chapter 7: Sometimes called the “fresh start” bankruptcy, Chapter 7 allows you to have most of your unsecured debts discharged, helping you regain control of your finances and start over with a clean financial slate.

Chapter 13: When filing for Chapter 13 protection, it is important to know that your debts will not be entirely discharged, but rather reorganized in a repayment plan, lasting 3 or 5 years. This plan permits you to retain your house and car and eliminate much of your unsecured debt.

We also provide assistance with a wide range of other bankruptcy-related issues clients may be facing, including:

  • Foreclosure
  • Creditor harassment
  • Wage garnishment
  • Repossession

Our attorneys and staff explain the potential options and the likely outcomes for each. We work to ensure you understand your options and then can make informed decisions as to the best option for your situation. If job loss or medical issues have left you with a crushing debt, bankruptcy will allow you to recover financially and it may be the best way to gain a “fresh start.”

For a consultation with an experienced bankruptcy attorney at Bellatti, Fay, Bellatti & Beard, LLP, call 217-408-0686 or contact us online today.

We also offer a secure web-based questionnaire called MyCaseInfo which allows you to get us the information we need to help you address your situation quicker. You can enter your data into MyCaseInfo at your convenience. There is no charge for using the questionnaire until you actually meet with us and decide to move forward. To get started, contact us online today and request an invitation to MyCaseInfo.

In addition to our main office in Jacksonville, Illinois we also staff an office in Ashland each Thursday morning for the convenience of our clients in Cass, Menard, Sangamon, and Morgan Counties. Other counties served include Scott, Greene, Jersey, Pike, Brown, Schuyler, Macoupin, and Adams.