Crystal Lake (815) 788-9511


After a debtor has defaulted on a debt, the creditor may eventually file a lawsuit for the purpose of collecting on the debt.  The creditor initiates the lawsuit by filing a written complaint in civil court.  After the lawsuit is filed, the creditor will notify the debtor of the lawsuit by obtaining "service" on the debtor, usually in the form of a summons.  The goal of the lawsuit is to obtain a judgment on the defaulted debt.  After the creditor obtains a judgment, the creditor will usually initiate additional steps to collect on the debt, such as wage garnishment or by freezing a bank account.

If a debtor files for bankruptcy protection under Chapter 7 or Chapter 13, the creditor is prevented from filing a lawsuit.  If a lawsuit has already been initiated, the bankruptcy filing will stop the creditor from proceeding with the lawsuit.

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Law Office of Timothy Brown is committed assisting individuals in need of Debt Relief, Bankruptcy Litigation, Chapter 7, Chapter 13, Creditor Harassment Defense, Debt Collection Defense, and Foreclosure law issues in Illinois.

We will discuss your case with you at your convenience. Contact us today to schedule an appointment.