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Advising And Guiding You Through Your Debt Relief Options

Overwhelming debt can consume your life and leave you feeling anxious and hopeless. From overdue notices for credit card bills or medical expenses to daily calls from creditors, being in debt is stressful and can lead to significant personal and financial consequences.

If you are struggling to make minimum monthly payments, facing wage garnishment and afraid of losing your home or car, it is important to explore your debt resolution options. In many circumstances, filing for personal bankruptcy may be a good option. By filing for Chapter 7 bankruptcy, you can eliminate debt and get a fresh start with your finances.

At The Law Office of Andrew M. Carter, I provide much-needed advice and guidance to individuals seeking debt relief through bankruptcy. When you come to my firm for help with resolving your debt problems, I will explain your bankruptcy options and fully evaluate your situation to determine if you qualify. If you decide to proceed with a bankruptcy filing, I will guide you through every step of the process.

Understanding Consumer Bankruptcy

Typically, personal or consumer bankruptcies qualify for one of two options:

  • Chapter 7 bankruptcy — This option calls for a total liquidation of your dischargeable debts, allowing for a fresh financial start. In order to qualify, you must meet certain financial qualifications.
  • Chapter 13 bankruptcy — This option is a debt reorganization. A portion of your dischargeable debts will be set up in a manageable payment schedule, typically to be repaid within three to five years. Once paid off, your debts are considered fully discharged.

In addition to discharging your debts, any foreclosure, repossession or wage garnishment, actions will stop once bankruptcy is filed.

To discuss your debt relief options, call my Wheaton law office at 630-517-0187 or toll free at 888-364-6196. You can also get in touch through my online contact form.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The Law Office of Andrew M. Carter provides commercial and residential real estate legal services, as well as collections, eviction, mortgage foreclosure defense/short sales and bankruptcy services to clients in DuPage County, Kane County, Cook County and Will County; and the cities of Wheaton, Glen Ellyn, Naperville, Lombard, Lisle, Glendale Heights, Elmhurst, Geneva, Downers Grove, Woodbridge, Aurora, Carol Stream, Bartlett and Oak Brook.


The Law Office of Andrew M. Carter
127 West Willow Avenue, Second Floor
Wheaton, IL 60187
Phone: 630-517-0187
Toll free: 888-364-6196
Fax: 630-462-0342
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