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With a struggling economy many Carol Stream residents have been forced to cut back. Many have even been forced to consider bankruptcy. Before declaring bankruptcy, it’s important to consider your options wisely.

Generally you only get one shot at bankruptcy so if it’s not done right the first time, you could be in worse trouble than before. It can be a confusing process to many filers, which is why experience is so important when it comes to bankruptcy. With over 50 years experience, Zalutsky & Pinski LTD can offer you a free consultation about your case. You can meet with us in one of our 8 convenient locations throughout Chicagoland.

First, it’s important to know what assets are considered exempt, and which aren’t. It could be useful to sell some of them to pay down your debt and maybe not have to file for bankruptcy. You may have felt forced into using a pension plan or equity in your house to pay off your unsecured debts. But even though you are financially responsible for those debts, there’s no reason to use your home to pay for it, especially if this happened through no real fault of your own.

In most states, a person’s house is protected if you file for bankruptcy, as are pension plans, basic household furniture, and some cars. It would be a shame if you sold these items and then still had to declare bankruptcy.

Don’t let mistakes hinder your ability to get a fresh start. Whether you live in Carol Stream or any other part of the Chicago area, call our offices today at 312-273-1217 to set up a free consultation. All of our offices have free parking and night/weekend appointments available.

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