Archives for Debt Defense

DEBT SETTLEMENT- DEBT FREE? OR NOT?

When people come to see me with debt problems, they are under enormous stress.  You’ve already tried everything.  Very few people are anxious to “throw in the towel” and just file for Bankruptcy. I talk with people who have tried for years, decades sometimes, to
Read More

Small Business Loans=Shark Infested Waters

Small Business Owners-Watch out for the Sharks! Small Business  owners have so many “hats” to wear.  One expression is that the owner is “Chief, Cook and Bottle Washer”.   So, with all of those roles, it’s difficult to manage everything.  One of the hardest jobs is
Read More

Debt Problems? Don’t let fear stop you!

Have No Fear! You’ve been working hard for 10, 20, 30 years.  All you are trying to do is pay your bills, make your rent or mortgage payments, and have enough left to pay for food, utilities, and a bit of relaxation, and maybe save
Read More

Behind on Student Loans? Take Action Now!

You did it! You went to school and graduated!  Or, you didn’t finish your degree.  Regardless, you’ll have to deal with your student loans.  In the ideal world, you got a job, and made all of the payments for your loans, and everything is good. 
Read More

Water Bills in Chicagoland – Are you getting soaked?

Water Bills Soaking You? We Can Help! Over the years of talking to homeowners from all over the area, it was amazing to see the difference in prices people pay for water!  Some people’s bills are $20-30 per month and others are close to $100/month.
Read More

Got Sued? How to Fight it.

As an attorney, I’m used to seeing court papers such as summonses and complaints every day.  But, for almost everyone else, seeing court papers sets off alarms that say “What’s this all about?” or “I don’t understand this!”, or “I don’t want to go to
Read More

You Lose Everything in Bankruptcy, Right? Wrong!

Bankruptcy is the “game over” of your financial life, so people say.  You will lose everything!  You will lose your house, your car, and never be able to get credit again!   Have you heard these things? They are all WRONG! In fact, Bankruptcy is more
Read More

When do Debts Fall Off My Credit Report?

This is a common question.  Many people who fall behind in paying their bills end up having a long credit history full of unpaid debts that just won’t “go away”.   Or, a business owner may have a lingering debt from the past, and hopes it
Read More

Hello Old Debt– Why does it Stay, Just a Little Bit Longer?

How long does bad credit history stay on your credit report?  There’s a short answer and a long answer. The short answer is most negative information, such as Judgments, collection accounts, paid tax liens, and late payments, can stay on your credit report for 7
Read More