Katz and Wulff Attorneys at Law

Practicing exclusively in bankruptcy and proudly serving Southern Illinois for more than 20 years.

Your Options

Our law practice is concentrated in consumer bankruptcy.  That said, we want you to know that when you come in to our office to inquire about your options, we will not only discuss bankruptcy.  The purpose of our first meeting will be to discuss all of your options to help you decide what option is right for you.  We will discuss direct work-outs with creditors, the various types of debt management plans and changes in your financial planning that may allow you to avoid bankruptcy altogether.  Although the great majority of our clients do file for bankruptcy relief, it is important for you to know that our job is not to sell you a service that you do not need, but rather to provide you with a full array of options so that you may make a fully informed and intelligent decision about your financial future.

Because it is important to discuss all of your options, including the bankruptcy options, we recommend that you meet with us before beginning a debt management plan, dipping into your retirement savings, selling or transferring property or taking any other action that you might later regret after having consulted with us.  We do not charge a fee for consultations ever, therefore there is absolutely no downside to talking to us first before pursuing other options for dealing with your debt.

Debts such as student loans, child support, alimony and most kinds of back income taxes usually cannot be discharged in bankruptcy. Income taxes that are more than three (3) years old often CAN be discharged. Call us to find out how.