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In Need of a Bankruptcy Lawyer?

Bankruptcy is not to be taken lightly, but it is your right guaranteed by Congress when other financial solutions have failed. Many other people just like you have filed for bankruptcy relief and have gone on to be financially successful.

Chapter 7 Bankruptcy

Chapter 13 Bankruptcy

Debt Settlement

Garnishments

Foreclosures

Student Loans

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Bankruptcy Blog

Facing foreclosure?

There’s just not enough money at the end of the month for all the bills you have to pay. Maybe it’s due to a layoff or an illness. Whatever the reason, you fell behind on your mortgage and now the mortgage company wants to take your family’s home. If you are facing foreclosure and cannot work out a deal or other alternative with the lender, bankruptcy may help. Two options are available to homeowners; Chapter 7 or Chapter 13. Each provides a very different end-result. If you file for personal bankruptcy under Chapter 7 a so-called “automatic stay” is placed on the foreclosing lender by the court. HOWEVER, the stay is only a temporary fix to the situation.  At any time the court can grant your lender’s motion for “relief from the automatic stay.”  Once the court grants that motion the foreclosure against your home can proceed to conclusion. Chapter 7 does not permanently stop foreclosure on your house or mobile home. (A Chapter 7 will, however, allow you to surrender the property voluntarily without further obligation.)

Chapter 13 Debt Reorganization can help stop foreclosure on your house or mobile home and give you time to catch up payments. Under Chapter 13 you will propose a plan to bring your mortgage payments current, pay off vehicle loans (often with both principal and interest substantially reduced) over a period of three (3) to five (5) years. Once accepted, all creditors must abide by the terms of the plan.

Drowning in medical bills?

You’re not alone.  According to CNN’s website, medical bills are the cause of more than 60 percent of U.S. bankruptcies. If you or a family member have ever been hospitalized or suffered from a long-term illness, you are aware of the high costs of healthcare. (more…)

What Our Clients Say

At the end of every case, we always ask our clients for their feedback in order to constantly improve our service.

Affiliations and Organizations

Mr. Wulff is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA) and is a founding member of the Bankruptcy Association of Southern Illinois (BASIL).