Are you tired of constant calls and letters from creditors? At Borcia Adams Law LLC, we help clients across Illinois find relief through Chapter 7 and Chapter 13 bankruptcy. Filing for bankruptcy can immediately stop creditor harassment and give you a fresh financial start.
Common Debt Time Limits in Illinois
Illinois law sets statutes of limitation — time limits on how long creditors can sue you. These include:
- Written contracts: 10 years
- Oral contracts: 5 years
- Sale of goods (cars, furniture, natural gas): 4 years
- Store credit: 4 years
- Credit cards: 5 years
- Bad check penalties: 2 years
- Other checks: 3 years
- Money judgments: 7 years (can be renewed up to 27 years)
The statute of limitations usually starts on the last payment made or the date of default.
How Bankruptcy Stops Creditor Harassment
Even if a debt is older, creditors may still call, send letters, or threaten lawsuits. Filing for Chapter 7 or Chapter 13 bankruptcy in Illinois triggers an automatic stay that stops:
- Harassing phone calls
- Collection letters
- Lawsuits and wage garnishments
This gives you breathing room to protect your assets and regain control of your finances.
Don’t Wait — Call Tina Today
At Borcia Adams Law LLC, we focus on helping Illinois residents get a fresh start through bankruptcy. We don’t judge — we provide solutions.
Call Tina today to:
- Understand your rights under Illinois bankruptcy law
- Review your debts
- Find the best solution for your situation
Reviewing your letters and options usually doesn’t cost a thing. Take the first step toward financial relief — Call Tina now!
847-680-1110
tina@borciaadams.com
Offices conveniently located in Lake County, Illinois