Crystal Lake Bankruptcy Chapters

What Type of Bankruptcy Is Right for Me?

Being overwhelmed with debt can be extremely stressful both financially and otherwise. You may have considered bankruptcy and wondered whether it was right for you. If you have decided that filing for bankruptcy is something you want to explore, you will need to understand the various chapters and what they mean. At The Law Office of Timothy Brown, we can help you decide what type of bankruptcy is right for you and how to go about filing. You can count on us to support and guide you every step of the way.

We can provide you with assistance with the following:

Chapter 7: Discharging Unsecured Debts

If you do not have a regular source of income or sufficient funds to pay down your debts and you feel like you are drowning, Chapter 7 may be right for you. In Chapter 7, you have to give up all non-exempt property and only hold onto certain secured and personal property. Most unsecured debts will be discharged through this chapter of bankruptcy, leaving you with a fresh start.

Chapter 13: Debt Repayment Plan

Unlike Chapter 7, Chapter 13 does not discharge your debt. Instead, it focuses on reorganizing and establishing a repayment plan. You will be allowed to keep your property and have the chance to make one affordable monthly payment which will then be distributed to your various creditors. You will have to have a sufficient and reliable source of income in order to file for Chapter 13.

At The Law Office of Timothy Brown, we provide our clients with the reliable advice they need to experience debt relief. We take the time to learn about your unique debt situation and come up with a customized solution to help you break free.

Contact us now at (815) 569-4110 for a free consultation with a Crystal Lake bankruptcy lawyer.


  • The Law Office of Timothy Brown Best lawyer we could find.
  • The Law Office of Timothy Brown Consummate professional who guided me through the entire process with ease.
  • The Law Office of Timothy Brown A great listener, very professional and detail oriented.
  • The Law Office of Timothy Brown He lifted a huge burden off my shoulders, and I will forever be indebted to him.
  • The Law Office of Timothy Brown Finally, a lawyer that cares about his clients!
  • The Law Office of Timothy Brown Very professional and kind in a way that made the process a lot easier on us.
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