Yes, and it often makes sense. If only one spouse carries the debt, only that spouse needs to file. A Chicago attorney explains when to file jointly instead.
Unsecured personal and signature loans are easily eliminated in Chapter 7. Secured loans are different. A Chicago bankruptcy attorney explains the distinction.
Generally no, but not never. An adversary complaint alleging undue hardship has reduced or eliminated student debt. A Chicago attorney explains when it applies.
Five to ten minutes of yes-or-no questions from the trustee, under oath, on Zoom. Creditors may attend but rarely do. A Chicago attorney explains.
A notice goes to every creditor and collection stops. About 30 days later comes a short meeting of creditors on Zoom. A Chicago attorney walks through it.
Legally you can file pro se. In practice the two worst outcomes are losing property that could have been protected and not receiving a discharge at all.
Generally no. Every debt must be listed, even a zero balance, and issuers are notified automatically. A Chicago bankruptcy attorney explains what to expect.
If you can dig out on your own within six months, wait. If you cannot, filing sooner protects more. A Chicago attorney on the situations that call for speed.
Three to five years, with a maximum of 60 months. A Chicago bankruptcy attorney explains the Chapter 13 timeline and how clients pay off plans early.
About 110 days from filing to discharge. A Chicago bankruptcy attorney walks through the timeline step by step, including the Zoom meeting of creditors.