Credit card debt and other financial struggles can creep up quickly. Maybe your hours were cut or you lost your job. Perhaps you were trying to keep a small business afloat. Unexpected medical bills, divorce, or simply the rising cost of living can also push families over the edge.
Whatever the cause, debt can spiral into a daily source of stress. Collection calls become constant, and threats of garnishment, repossession, or lawsuits leave you feeling like there’s no way out. You may find yourself shuffling bills around—“robbing Peter to pay Paul”—just to stay afloat while interest and late fees keep piling on.
You’re Not Alone—And There Are Solutions
Many hardworking people in Lake County and throughout Illinois face the same challenges. Bankruptcy law exists to give honest debtors a second chance. Filing a Chapter 7 or Chapter 13 bankruptcy can:
- Stop collection calls and lawsuits immediately (thanks to the “automatic stay”).
- Eliminate most unsecured debts like credit cards and medical bills.
- Protect your car, home, and wages.
- Provide a structured plan to catch up on mortgage or vehicle payments if you’ve fallen behind.
As a Lake County bankruptcy lawyer, we’ve seen how a well-planned filing can relieve stress and put families back on track. Bankruptcy is not a failure—it’s a legal tool designed to give people a fresh start.
Why Choose Borcia Adams Law LLC?
At Borcia Adams Law, our attorneys have decades of experience guiding individuals, families, and small business owners through consumer bankruptcy. We know that every financial situation is different, which is why we carefully review your case and explain whether a Chapter 7 discharge or a Chapter 13 repayment plan may be best for you.
Our clients often tell us they feel immediate relief after speaking with us—because for the first time, they know they have real options. As an Illinois debt relief attorney, our goal is not only to help you stop the harassment but also to help you rebuild your financial life with confidence.
Local Knowledge Matters
Bankruptcy is federal law, but each district court has its own rules and procedures. We regularly appear before the U.S. Bankruptcy Court for the Northern District of Illinois and understand how trustees and judges in our area handle cases. That local knowledge can make your case smoother and less stressful.
Free Phone Consultations & Flexible Appointments
We offer free phone consultations so you can learn about your rights and options with no cost and no obligation. After that, you can choose what works best for you: an in-person appointment at our Lake County office or a virtual consultation by secure phone or video.
847-680-1110
tina@borciaadams.com
Offices conveniently located in Lake County, Illinois
Take the first step toward financial freedom today. The law gives you the right to a fresh start—let Borcia Adams Law help you use it.