DISCLAIMER: The information provided pertains to Chapter 7 and Chapter 13 personal bankruptcy as it relates to this practice in Illinois. Bankruptcy law is promulgated by the federal government. Laws in Illinois are going to be similar (but not exactly the same) to laws anywhere in the country. However, this information only applies to Chapter 7 and Chapter 13 consumer debt and no other type of bankruptcy. Furthermore, this information is not intended as a legal opinion or legal advice at all. The facts of every case are different and give rise to issues that may not even be discussed here. You are urged to consult an attorney who is licensed to practice in your area before you take any action. We are a debt relief agency which specializes in helping people file for relief under the Bankruptcy Code.