NEW BANKRUPTCY LAWS • FILING BANKRUPTCY IN ILLINOIS

Bankruptcy Clinic / Attorney Gary C. Flanders
Chapter 7 and Chapter 13 • Bankruptcy Law Changes • Credit Counseling Requirement

Call for free consultation (815) 962-7084

Effective October 17, 2005, the new Bankruptcy Code enacted by Congress changes Chapter 7 and Chapter 13 bankruptcy in many ways. If you are considering filing for personal bankruptcy, the Bankruptcy Clinic can help you make sense of the new bankruptcy laws and how they may apply to you.

Call us at the Bankruptcy Clinic, a bankruptcy law firm located in Rockford, Illinois. Attorney Gary C. Flanders personally advises and works with each client throughout the process.

The Bankruptcy Clinic will explain:

• The new credit counseling requirement
• The bankruptcy means test and how it may apply to you
• Chapter 7 filing requirements
• Chapter 13 filing requirements

Filing bankruptcy is still the best debt relief option for many people, however, federal bankruptcy law changes are complex and important. You should work with a lawyer who can explain the new laws so that you can make an informed decision about filing for Chapter 7 or Chapter 13 personal bankruptcy.

Financial Disclosures

Federal law requires that all information provided in connection with a bankruptcy case be complete, accurate, and truthful. The bankruptcy forms filed with the court are signed under oath and must be prepared and reviewed with care. The new Bankruptcy Code provides for “Debtor Audits,” which means that people who request bankruptcy relief may be investigated to verify the accuracy of their bankruptcy disclosures. It is a federal crime to omit assets or otherwise provide false information in connection with a bankruptcy case.

Free Consultation • New Bankruptcy Laws Explained

Contact us at the Bankruptcy Clinic to discuss your financial situation to determine whether Chapter 7 personal bankruptcy or Chapter 13 debt reorganization or debt consolidation is best for you.

Bankruptcy Clinic
Attorney Gary C. Flanders
Suite 201
One Court Place
Rockford, IL 61101
Phone: (815) 962-7084 Fax: (815) 987-3759

Located in Rockford, Illinois, the Bankruptcy Clinic serves residents of a ten-county area, which includes Winnebago County, Dekalb County, McHenry County, Boone County, Stephenson County, Ogle County, Carroll County, Jo Daviess County, Lee County,and Whiteside County; we represent residents of the cities located within these counties, including Rockford, Loves Park, Belvidere, Freeport, Sycamore, Woodstock, Crystal Lake, Rock Falls, Sterling, and Dixon and all other cities and towns located within the ten-county area.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.