At DebtErasers, we understand how overwhelming financial struggles can be, and we're here to help. As the top bankruptcy law firm in Oak Park, we genuinely empathize with the financial challenges that residents of Cook County and the Chicago area are facing. Our compassionate team is dedicated to providing you with the guidance and support you need regarding personal debts. You don’t have to go through this alone—let us help you find a path to financial relief and peace of mind.
If you're struggling with debt, filing for bankruptcy may be a viable option. We provide zero-dollar down Chapter 7 and Chapter 13 bankruptcy to assist you in effectively managing your financial situation.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides a quick method to eliminate unsecured debts, making it suitable for those facing substantial debt obligations and limited financial means. By filing for Chapter 7 bankruptcy, you can address:
- Credit card balances
- Medical bills
- Unsecured personal loans
- Wage garnishments
- Liabilities from lawsuits
Typically, debts can be discharged within three to four months of submitting the bankruptcy petition. Chapter 7 will also stop creditors from contacting you or trying to collect payments.
Chapter 13 Bankruptcy
For those with a stable income who are dealing with overwhelming financial troubles, filing for Chapter 13 bankruptcy presents a solution by lowering monthly payments. This approach allows you to combine, reduce, and settle your debts over a timeframe of three to five years. It aims to provide relief and safeguard your assets, including your home or vehicle, from repossession. Filing for Chapter 13 bankruptcy can:
- Halt foreclosure processes
- Reorganize tax obligations
- Safeguard valuable property
- Prevent or reverse vehicle repossessions
Filing Chapter 13 can give you the necessary space to get your debts under control.
Building a Fresh Start After Bankruptcy
Embracing the decision to file for bankruptcy in Oak Park can be a pivotal step toward reclaiming your financial freedom. Within just six months of filing, your negative debts will be erased from your credit report by all major credit bureaus.
By managing your revolving debts wisely and maintaining a secured credit card, you can pave the way to homeownership in the near future. If you've faced challenges with debt, now is your moment to rise and restore your credit score with the support of our dedicated Oak Park bankruptcy attorneys.
Oak Park Bankruptcy Attorney Services
Real Estate Closing
Are you buying or selling a property? Our licensed attorneys will help you negotiate the deal smoothly from start to finish. We provide full legal support for buyers and sellers during the closing process. Make sure your real estate transactions go smoothly with help from DebtErasers.
Creditor Harassment
Are creditors harassing you? The Fair Debt Collection Practices Act (FDCPA) protects you from this kind of harassment, and we can help by holding your creditors accountable. Once a third-party debt collector knows you are represented by an attorney, they must stop contacting you.
Loan Modification Negotiation
Do you have large loans and feel like you might never pay them off? Loan modification could be a solution for you. Loan modification serves two main purposes: (1) to reduce your monthly payments to a level you can afford, and (2) to add any missed mortgage payments to the end of your loan to help protect your home from foreclosure. To improve your chances of getting a loan modification, consider working with our experienced attorneys at DebtErasers.
Meet Your Oak Park Law Team

Rigoberto Garcia
Managing Partner
Rigoberto has devoted his legal career to helping those in need. As a native Spanish speaker, Rigoberto is attune to the diverse needs of his clients. Rigoberto has over 10 years of experience practicing bankruptcy law and assisted over 15,000 clients with debt relief.

Steve Miljus
Managing Partner
With more than 10 years of experience in bankruptcy, Steve Miljus provides advice and counsel to clients seeking debt relief. Mr. Miljus has assisted clients with foreclosures, debt negotiations, adversaries, tax issues, short sales, real estate transactions with a particular emphasis on liquidations, and reorganizations.
Your Debt Law Firm in Oak Park
The DebtErasers Law Office in Oak Park is conveniently located in the heart of the community. Fill out the form for a free consultation! We invite you to make an appointment or visit us Monday through Friday, from 9:00 AM to 5:00 PM.
1010 Lake St, Suite 200
Oak Park, IL 60301
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Contact us: (312) 248-3382
Regardless of your debt challenges, we are here to support you every step of the way.