Generated by All in One SEO v5.0.0.1, this is an llms.txt file, used by LLMs to index the site.

# Borcia Adams Law LLC

## Sitemaps

- [XML Sitemap](https://borciaadams.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [ARTICLES](https://borciaadams.com/blog/)
- [Common Debt Time Limits in Illinois & How Bankruptcy Can Help](https://borciaadams.com/common-debt-time-limits-in-illinois-how-bankruptcy-can-help/) - Illinois law sets statutes of limitation — time limits on how long creditors can sue you. What are these and how can bankruptcy help? Read more
- [Credit After Bankruptcy: What to Know & How to Build It](https://borciaadams.com/credit-after-bankruptcy-what-to-know-how-to-build-it/) - Worried bankruptcy will ruin your credit? Learn how filing can actually help you rebuild fast with our partner's "7 Steps to a 720 Credit Score" program.
- [Why Clients Trust Borcia Adams Law — And Why They Refer Their Friends and Family](https://borciaadams.com/why-clients-trust-borcia-adams-law-and-why-they-refer-their-friends-and-family/) - At Borcia Adams Law, we are grateful that so many of our new clients come from referrals and repeat clients. Read what makes us different than our competitors.
- [Struggling With Debt? Bankruptcy May Be the Fresh Start You Need](https://borciaadams.com/struggling-with-debt-bankruptcy-may-be-the-fresh-start-you-need/) - Financial struggles can creep up quickly. As a Lake County bankruptcy firm, we’ve seen how a well-planned filing can put families back on track.
- [Tired of Harassing Calls From Creditors? Know Your Rights and Your Options](https://borciaadams.com/tired-of-harassing-calls-from-creditors-know-your-rights-and-your-options/) - You have rights under the law, and you have options, including bankruptcy, that can stop those calls immediately and give you room to breathe again. Read how.
- [New Illinois Law Expands Bankruptcy Protections](https://borciaadams.com/new-illinois-law-expands-bankruptcy-protections/) - Relief is on the way for Illinois families. On August 1, 2025, Illinois passed Public Act 1738, a new law that increases bankruptcy exemptions and provides greater protection for your home, car, savings, and livelihood. These changes take effect January 1, 2026.
- [Effective Foreclosure Defense to Save Your Home](https://borciaadams.com/effective-foreclosure-defense-to-save-your-home/) - Foreclosure, Chapter 13, Mortgage Modification an Effective Foreclosure Defense to Save Your Home When a Mortgage Company files a Foreclosure, it essentially has one objective: To sell your house at a sheriff’s sale to themselves or a 3rd party bidder. The result is the same: YOU LOSE YOUR HOUSE! What to Do? Chapter 13. There is
- [Real Estate Tax Redemption](https://borciaadams.com/real-estate-tax-redemption/) - In Illinois, property owners including homeowners pay Property taxes (Real Estate taxes) to the county. WHAT IF I DON’T PAY THE TAXES? The county has a lien on your home. When you fall behind more than one (1) year the county “sells” your taxes. The tax buyer pays the county the taxes due. Then tax
- [Money Judgments when A Home Is Foreclosed (Illinois)](https://borciaadams.com/money-judgments-when-a-home-is-foreclosed-illinois/) - FORECLOSURE DEFICIENCIES This is a general outline provided by ROBERT J. ADAMS & ASSOCIATES. Offices in Chicago and Waukegan, Illinois The primary practice of ROBERT J. ADAMS & ASSOICATES is Chapter 7 and Chapter 13 Bankruptcy. When you buy a home financed with a mortgage you give the mortgagee two (2) things: A lien on
- [IRS Tax Liens in Bankruptcy](https://borciaadams.com/irs-tax-liens-in-bankruptcy/) - This article is about IRS debts that are dischargeable in Bankruptcy but where the IRS has filed a lien. The IRS frequently files tax liens on all property the taxpayer owns in the county where the taxpayer resides. Tax liens have a life of 10 years. They can be renewed after 10 years but usually
- [Discharging Personal Income Tax (IRS) in Bankruptcy](https://borciaadams.com/discharging-personal-income-tax-irs-in-bankruptcy/) - Can Personal Income tax be discharged in Bankruptcy: Chapter 7 or Chapter 13? The answer is “Yes” based on certain rules: You (or a tax preparer) filed the income tax returns; The taxes are older than 3 years from the date due; The income taxes returns were filed more than 2 years ago. (You can’t
- [Statute of Limitations for Debts in Illinois](https://borciaadams.com/statute-of-limitations-for-debts-in-illinois/) - HOW LONG CAN A DEBT COLLECTOR PURSUE AN OLD DEBT? This is a general outline is provided by ROBERT J. ADAMS & ASSOCIATES. Offices in Chicago and Waukegan, Illinois. The primary practice of ROBERT J. ADAMS & ASSOCIATES is Chapter 7 and Chapter 13 Bankruptcy. Private creditors have a limited amount of time to collect
- [Wage Garnishments-What is it? How to fight it and Keep Your Hard-](https://borciaadams.com/wage-garnishments-what-is-it-how-to-fight-it-and-keep-your-hard/) - HOW DID MY WAGES GET GARNISHED? First, a creditor filed a lawsuit. Then the creditor got a judgment. Finally, since they know where you work, they sent the Wage Garnishment. “I didn’t know someone sued me.” That is not uncommon. But the Clerk of the Court will show a judgment against you. A Wage Garnishment
- [Bank Garnishment and What Can I Do?](https://borciaadams.com/bank-garnishment-and-what-can-i-do/) - TYPES OF BANK GARNISHMENTS Bank Garnishment. Takes your money on hand up to the judgment amount; Citation to Discover Assets of a 3rd Party (Your bank). Not only takes money on hand but any deposits thereafter. So if you get paid through direct deposit they can grab that too. AMOUNT YOUR BANK WILL FREEZE The
- [What Is Small Business Bankruptcy In Illinois?](https://borciaadams.com/what-is-small-business-bankruptcy-in-illinois/) - After decades of helping individuals and businesses one thing is clear. Each client is unique and that includes their problems, situations, and possible solutions. Experienced lawyers do not offer cookie cutter options. The Bankruptcy laws have parameters, rules and regulations. Within these parameters experienced lawyers should look for solutions that best fit the needs of
- [Student Loan Debt](https://borciaadams.com/student-loan-debt/) - One of the most common questions we get is whether student loans are dischargeable. And we have to be the bearer of bad news — no, you cannot get rid of school loans in bankruptcy. Only in very rare cases of “undue hardship” can student loans be forgiven. BANKRUPTCY MAY STILL BE PART OF THE
- [What Is Reorganization Under The Bankruptcy Code?](https://borciaadams.com/what-is-reorganization-under-the-bankruptcy-code/) - For reorganizations there are 2 main Chapters available: Chapter 13 and Chapter 11. Only an individual may file a Chapter 13. High amounts of debt can push an individual into Chapter 11. Corporations and partnerships must file Chapter 11, although there is a provision for a small business Chapter 11 with slightly different procedures from
- [What Triggers A Foreclosure?](https://borciaadams.com/what-triggers-a-foreclosure/) - In Illinois, a home owner has 30 days after he or she has a notice of intent to foreclose notice by mail before a foreclosure suit can be filed. WILL MY FINANCIAL REPUTATION BE RUINED IF I GO INTO FORECLOSURE? Foreclosure filings are listed on one’s credit report. It does lower the score. CAN I
- [What Is A Chapter 11 Reorganization For Small Businesses?](https://borciaadams.com/what-is-a-chapter-11-reorganization-for-small-businesses/) - Corporations (including Not-For-Profit Corporations), Partnerships, and Individuals who exceed the debts limits for a Chapter 13 are candidates for a Chapter 11. The definition of a Small Business in a Chapter 11 is one where the debts don’t exceed about $2.5 million (currently $2,566,050). The debt limit excludes amounts owed to persons considered “insiders” such
- [What Are The Nuances Associated With Home Ownership?](https://borciaadams.com/what-are-the-nuances-associated-with-home-ownership/) - Home ownership is one of the great American dreams. Very little compares to the pride of home ownership. It gives one the status of being in the middle class. One that has provided security and comfort for the homeowner’s family and self. For most of us to buy a home or other real estate requires
- [Finding a Solution For Unpaid Real Estate Taxes](https://borciaadams.com/finding-a-solution-for-unpaid-real-estate-taxes/) - If you have unpaid property taxes, you may be at risk of losing your home — even if your mortgage is paid off. Chapter 13 bankruptcy may be the solution to saving your house and curing your debt problems. The Chicago bankruptcy attorneys of Robert J. Adams & Associates can help you get into a
- [How Do Parking Tickets And Arrests Contribute To Debt?](https://borciaadams.com/how-do-parking-tickets-and-arrests-contribute-to-debt/) - The city of Chicago is aggressively looking for infractions on parking meters and red light cameras. When people cannot pay immediately, these fees and fines are doubled. People then cannot possibly catch up. Parking tickets and red light tickets are not dischargeable in a chapter 7 bankruptcy but are dischargeable in chapter 13. We frequently do chapter
- [Traffic Ticket Debt Or License Suspension](https://borciaadams.com/traffic-ticket-debt-or-license-suspension/) - Even one speeding citation, red light ticket or tollway violation can be a hardship when you have other bills and expenses. The amount doubles if you don’t pay the fine in a certain time. Before you know it, multiple tickets and fines on top of fines can add up to thousands of dollars. Then it
- [What Happens When Someone’s Wages Are Garnished?](https://borciaadams.com/what-happens-when-someones-wages-are-garnished/) - In Illinois, a garnishment is generally fifteen percent of your gross pay, but there are some limitations to this which apply to low wage earners. For example, if you make the minimum wage in Chicago of $12 per hour, then you might be entitled to thirty times that amount per week, or $360. If you
- [How to Better Manage Credit Card Debt](https://borciaadams.com/how-to-better-manage-credit-card-debt/) - Relying on “plastic” can become a problem when credit card balances grow too big or your income shrinks. Perhaps you lost your job or had your hours cut. Maybe you were propping up a small business. Maybe you had a medical crisis or other unexpected bills. Or perhaps you were simply living beyond your means.
- [Who Must Take The Means Test Prior To Filing A Bankruptcy?](https://borciaadams.com/who-must-take-the-means-test-prior-to-filing-a-bankruptcy/) - All individuals have to take a means test before filing a bankruptcy, and if their income, depending on the number of individuals in the family, exceeds a certain amount, the presumption is they cannot file a chapter 7. However, there are multiple deductions that can be taken from the gross income to show that the
- [Payday Loans](https://borciaadams.com/payday-loans/) - You probably had little choice when you took out a payday loan. You have bills to pay. Your family needs to eat. You probably knew that the interest rate was very high, but again you didn’t have a lot of options. Now the amount you owe has mushroomed, maybe double or triple of what you
- [Repossession](https://borciaadams.com/repossession/) - If you default on your car payments, the lender or dealer won’t wait long to repossess. You do not have to just let this happen! Filing for bankruptcy can stop repossession. Even if the “repo man” has already taken your vehicle, there may be a chance to get it back if you act fast. If
- [How Can A Second Mortgage Be Eliminated?](https://borciaadams.com/how-can-a-second-mortgage-be-eliminated/) - Through Chapter 13 2nd mortgages can often be eliminated and reduced to an unsecured claim. There are two sections of the Bankruptcy Code that in essence say a junior mortgage is a secured claim only if after deducting all senior liens there is still some equity left for the junior mortgage. If the property has no
- [What Paperwork/Documentation Should Someone Have At A 341 Meeting](https://borciaadams.com/what-paperwork-documentation-should-someone-have-at-a-341-meeting/) - When you go to a 341 meeting, what you must have is your Social Security card, or other proof of Social Security number, and a state issued ID card or driver’s license. Those are the 2 things that are required on the notice sent out by the court. Some Chapter 7 trustees also request copies
- [How to Better Manage Credit Card Debt](https://borciaadams.com/how-to-better-manage-credit-card-debt-2/) - Relying on “plastic” can become a problem when credit card balances grow too big or your income shrinks. Perhaps you lost your job or had your hours cut. Maybe you were propping up a small business. Maybe you had a medical crisis or other unexpected bills. Or perhaps you were simply living beyond your means.
- [Medical Debts](https://borciaadams.com/medical-debts/) - Most U.S. households cannot absorb an unexpected expense of $500, let alone the double whammy of huge medical bills and loss of income. If you are buried in debt because of ongoing health problems or a recent medical crisis in the family, filing for bankruptcy could be the best solution. Our experienced bankruptcy lawyers have
- [How Can Individually Owned Businesses File for Bankruptcy?](https://borciaadams.com/how-can-individually-owned-businesses-file-for-bankruptcy/) - CHAPTER 7 When a sole proprietorship simply cannot continue to pay his/her debts a Chapter 7 may be the best option. A sole proprietorship can include a married couple owning the business together. It must be remembered that when a sole proprietor files a Chapter 7 the person is filing the case. So the filing
- [Payday Loans](https://borciaadams.com/payday-loans-2/) - You probably had little choice when you took out a payday loan. You have bills to pay. Your family needs to eat. You probably knew that the interest rate was very high, but again you didn’t have a lot of options. Now the amount you owe has mushroomed, maybe double or triple of what you
- [What Are Mortgage Arrears?](https://borciaadams.com/what-are-mortgage-arrears/) - First, it consists of the amount you have not paid. Added are late charges for each month until you are current. Also, when you are behind the mortgage company orders drive-by inspections that they charge to you. And, sometimes they are able to add lawyer’s fees. CAN YOU CURE MORTGAGE ARREARS THROUGH A CHAPTER 13
- [Reorganizing An Individual’s Business Under Chapter 13](https://borciaadams.com/reorganizing-an-individuals-business-under-chapter-13/) - An individual business can reorganize through a Chapter 13. The one limitation is that secured debts must be under $1,184,200 and unsecured debts must be under $394,725. If the debts exceed these amounts the individual will have to file a Chapter 11 to reorganize the business. The benefits of a Small Business Chapter 13 The
- [Stop Creditor Actions](https://borciaadams.com/stop-creditor-actions/) - Filing for Chapter 7 or Chapter 13 bankruptcy gives you immediate protection. By law, creditors cannot initiate new actions, continue to garnish your wages or even contact you to demand payment. Robert J. Adams & Associates is aggressive in invoking and enforcing the automatic stay of bankruptcy. Our Chicago bankruptcy lawyers can file your bankruptcy petition right
- [What Is A Condominium In Illinois?](https://borciaadams.com/what-is-a-condominium-in-illinois/) - Condominiums A condominium (condo) is a type of real estate divided into several units. Each unit is separately owned. The common areas are jointly owned by condominium owners. Condominiums Associations (Condos) include multi-unit apartments and townhouse and some single family houses. There are also office and store condos. While co-ops are a bit different the
- [Wage Garnishment and Liens](https://borciaadams.com/wage-garnishment-and-liens/) - Money is already tight. How are you going to pay your other bills when a creditor is grabbing a big chunk of every paycheck? Garnishment only creates more stress and new financial problems. You CAN do something. Filing for bankruptcy will prevent wage garnishment or stop those creditors from taking any more of your money.
- [Can I Discharge IRS Taxes In Bankruptcy?](https://borciaadams.com/can-i-discharge-irs-taxes-in-bankruptcy/) - ELIMINATING TAX DEBT IN BANKRUPTCY The following set out the rules to discharge an IRS debt in Bankruptcy: You filed the Income tax return. At times the IRS files substitute returns when an individual has failed to file. Another name for this is Service Filed Returns. The amounts due on IRS filed returns are not
- [It Is Income Tax Refund Time. Who Can Take It From Me?](https://borciaadams.com/it-is-income-tax-refund-time-who-can-take-it-from-me/) - Some people are afraid to file their income tax returns. Why? One fear is that creditors will take it. First of all, private collectors can’t take or garnish your Income Tax refund. Who can? The Federal Government and state government agencies Past IRS debt; Past due child support payments; Other federal agencies (such as student
- [How To Pay Off Credit Card Debt In Chapter 13 And Save](https://borciaadams.com/how-to-pay-off-credit-card-debt-in-chapter-13-and-save/)
- [The Benefits Of Chapter 13 Repaying 100% To All Creditors](https://borciaadams.com/the-benefits-of-chapter-13-repaying-100-to-all-creditors/) - Often individuals with a heavy debt load want to file Chapter 7 but find out they can’t. There is a Means Test. Many middle-income folks are “high earners” in Bankruptcy Land. What this means is the income in the family exceeds certain thresholds. I have a blog that explains the Means Test in greater detail. SO WHAT
- [Statute Of Limitation For Debts (Illinois)](https://borciaadams.com/statute-of-limitation-for-debts-illinois/) - (Contracts, medical bills, repossession, credit cards, purchases, etc.) Creditors can pursue individuals for a limited period of time. This article sets out some of the more common time limits: In general, written contracts (see footnote)1: 10 years Oral contracts: 5 years Sale of goods (automobiles, furniture, natural gas): 4 years Store Credit: 4 years Credit
- [Wage Garnishments-The Law in Illinois](https://borciaadams.com/wage-garnishments-the-law-in-illinois/)
- [Payday Loans – A Short Term Fix: Long Term Nightmare](https://borciaadams.com/payday-loans-a-short-term-fix-long-term-nightmare/) - Payday loans in Illinois have interest rates up to 400%. Unbelievable but true. You need $500 for something real fast. Many Pay Day Loan companies have you give them a post-date check. You pay it in a week or so it’s OK. But when you can’t then nightmare begins. Repaying a $500 loan over a
- [Stop Wage Garnishments](https://borciaadams.com/stop-wage-garnishments/) - In Illinois creditors can get up to 15% of one’s gross wages-not net wages. If those wages are $500 per week gross; net $450: they take $75. The filing of a Chapter 7 or a Chapter 13 bankruptcy can stop wage garnishments. Most lawyers practicing in Consumer Bankruptcy can file a Chapter 7 or Chapter
- [Save Your Home; Stop Foreclosure](https://borciaadams.com/save-your-home-stop-foreclosure/) - Mortgage companies in Illinois will proceed with a foreclosure at some point when a homeowner falls behind on payments. Probably the most effective way of stopping or preventing a foreclosure is filing Chapter 13. The basic requirements are Being able to resume regular monthly mortgage payment; Being able to repayment the arrearages and the mortgage
- [Borrowing Money when You Have a Pending Personal Injury Case](https://borciaadams.com/borrowing-money-when-you-have-a-pending-personal-injury-case/) - When a person has a pending Personal Injury case they frequently incur a tremendous amount of debt. There are companies that will lend you money and get repaid out of the eventual settlement. So you can take loans on pending personal injury cases in Illinois. Sounds good! But, wait-read the fine print and interest rates.
- [Know Your Debt Collection Rights](https://borciaadams.com/know-your-debt-collection-rights/) - Did you know that more than 70 million people were contacted by a debt collector between 2014 and 2015? (Consumer Experiences in Debt Collection Survey, 2017) Receiving a call from a debt collector can be stressful. Your first instinct may be to hide or ignore the situation and hope it goes away. But that can make
- [Personal Injury Claims And Bankruptcy In Illinois](https://borciaadams.com/personal-injury-claims-and-bankruptcy-in-illinois/) - What happens when I have a Personal Injury claim and I need to file a Bankruptcy? Can I protect a potential settlement or judgment? The answer is “Yes” you can file bankruptcy, protect your claim, and even keep your current lawyer. The problem most frequently arises when a person is hurt in an automobile accident
- [How Can IRS Tax Liens and Judgment Liens Be Eliminated?](https://borciaadams.com/how-can-irs-tax-liens-and-judgment-liens-be-eliminated/) - IRS Liens The IRS often files tax liens on property. The lien is extended to all property in the county in which it is filed. The tax lien applies your house and all your personal property. The lien is good for 10 years. There are 2 instances where the tax lien can be avoided in
- [What Are Second Mortgages, Judgment Liens And Tax Liens](https://borciaadams.com/what-are-second-mortgages-judgment-liens-and-tax-liens/) - What Are Second Mortgages, Judgment Liens And Tax Liens In Foreclosure? When foreclosure cases are filed it is common to see defendants other than the property owner. Mortgage companies get title searches before filing a foreclosure. The title search will show entities that have liens on the property. Common additional defendants include junior mortgagees; Judgment
- [What Is Real Estate Tax Sales Redemption?](https://borciaadams.com/what-is-real-estate-tax-sales-redemption/) - When property owners, including homeowners, do not pay real estate taxes, the county can “sell” the taxes to a “tax buyer.” Here’s How It Works: If the taxes are delinquent for more than one (1) year, then the county will sell the taxes. A tax buyer pays the county the amount of the delinquent taxes.
- [Debt Attorney In Chicago](https://borciaadams.com/debt-attorney-in-chicago/) - EVERYTHING YOU NEED TO KNOW FOR DEBT ATTORNEY IN CHICAGO It an alarming situation when your bills are piling up and you do not have the means to pay them. Considering our current economic environment, it is not possible for the debt to spiral out of control. However, if you find yourself in this sludge,

## Pages

- [About Borcia Adams Law LLC](https://borciaadams.com/) - Helping individuals & businesses throughout Libertyville and the greater Chicago, Illinois area, and suburbs with financial difficulties for over 40 years.
- [CONTACT](https://borciaadams.com/contact/) - Start the Conversation - We’re Here to Help
- [TESTIMONIALS](https://borciaadams.com/testimonials/) - MARK CIMMIGRATION ATTORNEY "I highly endorse Tina Adams. Truly an exceptional and caring attorney who achieves great results in representing clients! I really want all people to contact him for help." RICHARD GDIVORCE AND SEPARATION ATTORNEY "I endorse Tina. Highly respected in the legal community with an outstanding reputation for client advocacy and dedication." CHRISTOPHER
- [TINA ADAMS](https://borciaadams.com/tina-adams/) - EDUCATION The John Marshall Law School, J.D. Loyola University, B.A. PRACTICE AREAS Consumer Bankruptcy Business Bankruptcy Tina Adams ROBERT ADAMS Before becoming an attorney, Tina gained invaluable experience working as a paralegal in her father’s law firm. She pursued her education attending classes part-time during nights and weekends to earn her degree from Loyola University.
- [LORI BORCIA LINTNER](https://borciaadams.com/about/lori-borcia-lintner/) - Lori Borcia Lintner ROBERT ADAMS Office Managing Paralegal Lori Borcia Lintner is the Office Managing Paralegal at Borcia Adams Law LLC, with more than 40 years of experience in the legal field. She began her career working with her late father, Kenneth Borcia, one of the first attorneys in Lake County to focus on consumer
- [RICKIE DIAZ](https://borciaadams.com/about/rickie-diaz/) - Rickie Diaz ROBERT ADAMS Support Staff Paralegal Rickie Diaz serves as a Support Staff Paralegal at Borcia Adams Law LLC. With over 10 years of experience working in both Robert J. Adams & Associates and Borcia Adams Law LLC, Rickie has been an essential part of the legal team, providing reliable support in bankruptcy case
- [Residential Real Estate Closings](https://borciaadams.com/residential-real-estate-closings/) - Residential real estate closings mark the final hurdle in the home buying or selling journey. It's where the ownership of the property officially gets transferred from seller to buyer. This typically involves a formal meeting with several key players present. For both buyers and sellers, the closing process can seem complex, filled with paperwork and
- [PRACTICE AREAS](https://borciaadams.com/practice-areas/) - Consumer Bankruptcy CHAPTER 7 In a Chapter 7 discharge, also known as straight bankruptcy, you can eliminate certain unsecured debts, such as credit card balances, medical bills, payday loans, car title loans, and traffic tickets. In certain cases, it is even possible to discharge back taxes.Learn More CHAPTER 11 The definition of a Small Business
- [Business Bankruptcy](https://borciaadams.com/business-bankruptcy/) - 2020 has been a particularly difficult year for many businesses throughout the United States due to the coronavirus pandemic. According to Yelp.com's Local Economic Impact Report, over 97,966 businesses have permanently shut down during the COVID-19 pandemic. If your business has been affected by COVID-19 closedowns, or you have incurred personal debt due to other burdens
- [Chapter 11](https://borciaadams.com/chapter-11/) - BANKRUPTCY IN ILLINOIS:REORGANIZING THE SMALL BUSINESS CORPORATION The definition of a Small Business in a Chapter 11 is one where the debts don’t exceed about $2.5 million (currently $2,566,050). The debt limit excludes amounts owed to persons considered “insiders” such as stockholders and/or family members. A Business owned in an Individual’s name that exceeds the
- [Chapter 13](https://borciaadams.com/chapter-13/) - Working but living paycheck to paycheck? Have you fallen behind on your house payments or let other bills slide? You are not alone. A recent study shows that 60 percent of American households cannot absorb a $500 unexpected expense. If you can’t make ends meet and your debts are mounting, you are probably getting harassing
- [Chapter 7](https://borciaadams.com/chapter-7/) - At the law offices of Borcia Adams Law LLC, skilled attorneys are here for you during this stressful time. For over four decades, they have been educating and guiding individuals and families through Chapter 7 bankruptcy. They proudly serve Chicago and the greater Cook County area, as well as DuPage County and Lake County, Illinois.
- [Borcia Adams Law LLC PRIVACY POLICY](https://borciaadams.com/privacy-policy/) - Proper legal representation depends upon an attorney’s analysis of a client’s specific legal issues. The material on this site has been prepared by Borcia Adams Law LLC for informational purposes only and should not be construed as legal advice. Further, the information contained on this website is not necessarily current or complete, and you should not
- [Terms of Service](https://borciaadams.com/terms-of-service/) - Introduction The law firm of Borcia Adams Law LLC concentrates its practice in Bankruptcy law for individuals and companies located in the Northern District of Illinois. Use of Website and Services Outline permissible uses of the website and the services offered is offered to the general public. Intellectual Property The content, logo (inkling, Borcia Adams
- [SUPPORT STAFF](https://borciaadams.com/about/our-pawyers/) - EDUCATION School for Good Boys & Girls ROLES Chief Barketing Officer Fetch-nical Support Meet our Special Pawyers Betty Boop Sydney Skittles
- [Frequently Asked Questions](https://borciaadams.com/frequently-asked-questions/) - Please reach us if you cannot find an answer to your question. WHAT ARE THE DIFFERENT TYPES OF BANKRUPTCY? For individuals, Chapter 7 and Chapter 13 are the main options. Chapter 7 is a basic type of case where many debts are discharged in about 3 to 4 months whereas in Chapter 13 a payment
- [VIDEOS](https://borciaadams.com/videos/)
- [CREDIT CARD DEBT](https://borciaadams.com/credit-card-debt/) - Does My Credit Card Debt Just Disappear? Is There a Limit on How Much I Can Discharge?
- [Chapter 20](https://borciaadams.com/chapter-20/) - First of all, there is no Chapter 20 in the Bankruptcy Code. The term “Chapter 20” is a shorthand term where the individual or married couple has filed a Chapter 7 and shortly thereafter filed a Chapter 13. When the homeowner is faced with a foreclosure and has no present ability to file a Chapter
- [OTHER VIDEOS](https://borciaadams.com/other-videos/)
- [REAL ESTATE TAXES](https://borciaadams.com/real-estate-taxes/)
- [DEBT COLLECTOR](https://borciaadams.com/debt-collector/)
- [COVID-19](https://borciaadams.com/covid-19/)
- [MAKE A PAYMENT](https://borciaadams.com/make-a-payment-2/)

## Categories

- [Bankruptcy](https://borciaadams.com/category/bankruptcy/)
- [Chapter 7](https://borciaadams.com/category/chapter-7/)
- [Medical Bills](https://borciaadams.com/category/medical-bills/)
- [Foreclosure](https://borciaadams.com/category/foreclosure/)
- [Chapter 13](https://borciaadams.com/category/chapter-13/)
- [Credit Score](https://borciaadams.com/category/credit-score/)
- [Homeowner](https://borciaadams.com/category/homeowner/)
- [Taxes](https://borciaadams.com/category/taxes/)
- [Real Estate Tax](https://borciaadams.com/category/real-estate-tax/)
- [Real Estate](https://borciaadams.com/category/real-estate/)
- [Tickets](https://borciaadams.com/category/tickets/)
- [IRS](https://borciaadams.com/category/irs/)
- [Statute of Limitations](https://borciaadams.com/category/statute-of-limitations/)
- [Wages](https://borciaadams.com/category/wages/)
- [Garnishments](https://borciaadams.com/category/garnishments/)
- [Bank](https://borciaadams.com/category/bank/)
- [Small Business](https://borciaadams.com/category/small-business/)
- [Student Loan](https://borciaadams.com/category/student-loan/)
- [Reorganization](https://borciaadams.com/category/reorganization/)
- [Creditors](https://borciaadams.com/category/creditors/)
- [Chapter 11](https://borciaadams.com/category/chapter-11/)
- [Arrests](https://borciaadams.com/category/arrests/)
- [Credit Card](https://borciaadams.com/category/credit-card/)
- [Income Tax](https://borciaadams.com/category/income-tax/)
- [Means](https://borciaadams.com/category/means/)
- [Payday](https://borciaadams.com/category/payday/)
- [Loans](https://borciaadams.com/category/loans/)
- [Repossession](https://borciaadams.com/category/repossession/)
- [Mortgage](https://borciaadams.com/category/mortgage/)
- [Liens](https://borciaadams.com/category/liens/)
- [Car](https://borciaadams.com/category/car/)
- [Documents](https://borciaadams.com/category/documents/)
- [Businesses](https://borciaadams.com/category/businesses/)
- [Home](https://borciaadams.com/category/home/)
- [Arrears](https://borciaadams.com/category/arrears/)
- [Condominium](https://borciaadams.com/category/condominium/)
- [Debt Attorney](https://borciaadams.com/category/debt-attorney/)
- [Statute Of Limitation](https://borciaadams.com/category/statute-of-limitation/)
- [Credit](https://borciaadams.com/category/credit/)
- [Wage Garnishments](https://borciaadams.com/category/wage-garnishments/)
- [Payday loan](https://borciaadams.com/category/payday-loan/)
- [Injury](https://borciaadams.com/category/injury/)
- [Borrowing Money](https://borciaadams.com/category/borrowing-money/)
- [Debt Collection](https://borciaadams.com/category/debt-collection/)
- [Rights](https://borciaadams.com/category/rights/)
- [Personal Injury](https://borciaadams.com/category/personal-injury/)
- [Debt](https://borciaadams.com/category/debt/)
- [Video](https://borciaadams.com/category/video/)