Are you on the hunt for trustworthy bankruptcy attorneys in Cook County? You’ve come to the right place! As an experienced bankruptcy law firm in Park Ridge, we can help you with your debt-related questions and concerns.
If you’re overwhelmed by debt and stress, it’s time to take control. Filing for bankruptcy is a strong solution that can help you regain your financial freedom. We specialize in zero-down Chapter 7 and Chapter 13 bankruptcies and we are ready to assist you.
What is Chapter 7 Bankruptcy?
Filing Chapter 7 is a simple and affordable form of bankruptcy that can discharge:
- Credit card debt
- Medical debt
- Unsecured personal loans
- Wage garnishments
- Lawsuit liabilities
These debts are typically discharged within three to four months of filing. Once your case is filed, creditors cannot collect from you or contact you further.
What is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy helps people with steady incomes who are struggling with debt. This type of bankruptcy lets you combine your debts, reduce what you owe, and pay it off over three to five years. It gives you the space you need to manage your finances better.
Filing for Chapter 13 bankruptcy can:
- Avoid or reverse car repossession
- Stop foreclosures
- Reorganize tax debt
- Protect valuable assets
What Happens After Bankruptcy?
Filing for bankruptcy in Park Ridge can feel overwhelming, but it might also be your first step toward achieving financial freedom and starting anew. The good news is that within six months of filing, negative credit marks will be removed from your credit report across all major reporting bureaus.
If you've been grappling with debt, this is a crucial opportunity to work on rebuilding your credit score. It’s completely understandable to feel hesitant, but by staying mindful of any revolving debts and considering a secured credit card, you can be well on your way toward your goal of home ownership in the future. Remember, you're not alone in this journey and there is hope for a brighter financial path ahead!
What Other Ways Can DebtErasers Help?
Creditor Harassment
If you're facing unfair harassment from creditors, the Fair Debt Collection Practices Act (FDCPA) protects you. This law restricts the ways debt collectors can interact with you, and once you have legal representation, they must stop contacting you. Seeking legal assistance can help ensure your rights are upheld.
Real Estate Closing
Looking to buy or sell property? Our attorneys ensure a smooth real estate negotiation process from start to finish. We provide complete legal representation for both buyers and sellers throughout the closing. Trust the DebtErasers lawyers for expert guidance in your real estate transactions.
Loan Modification Negotiation
If you're struggling with large loans, a loan modification might be a helpful solution. The main goal is to reduce your monthly payments to a more manageable amount and to defer mortgage arrears, protecting your home from foreclosure. To improve your chances of getting a loan modification, consider seeking help from experienced attorneys like ours at DebtErasers.
Meet Your Park Ridge 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.
Park Ridge Bankruptcy Law Office Location
Our Park Ridge law firm is located on N Ozark Ave between Touhy Ave and Cubs Dr, right in the center of the local community.
350 S NW Hwy, Suite 300
Park Ridge, IL 60068
Get Directions
Contact us: (312) 248-3382
No matter what your debt concerns are, we can assist you. Our Park Ridge location is ready to answer all of your questions.