Bankruptcy Law Attorneys

Knowledgeable Bankruptcy Advocates

Are you stressed because of non-stop calls, notices, and threats from creditors and collection agencies? Smith, Pappas & Jones, Ltd. can help you put an end to it all and take back control of your life. Let us help you move forward after a bankruptcy by putting your financial troubles behind you.

Our goal is to find the financial relief you need and deserve to get back on solid ground.

Filing for relief under the bankruptcy code should not be approached lightly. Call us today at (217) 345-6222 or visit 622 Jackson Avenue in Charleston, IL, for a FREE consultation. Find out if filing for bankruptcy is right for you.

We are members of the Coles-Cumberland Bar Association and the Illinois State Bar Association.

Our Services Can Put a Stop To:

• Wage garnishments
• Repossessions
• Creditor harassment
• Lawsuits
• Tax collections
• Foreclosures
• Student loan collections
• Driver's license suspensions
• Issues related to financial responsibility law

The Bankruptcy Codes

Chapter 7

Chapter 7 of the bankruptcy code deals with liquidation. The bankruptcy code is the name given to that portion of the federal laws that deal with bankruptcy. Under Chapter 7, the debtor must turn any nonexempt property over to a trustee who then converts the property into cash and pays the debtors' creditors. In return, the debtor receives Chapter 7 discharge if he or she pays the filing fee, is eligible for the discharge, and obeys the orders and rules of the bankruptcy court.

Chapter 13

Chapter 13 lets a person repay all or a portion of his or her debts under the supervision and protection of the bankruptcy court. The debtor must submit a plan for the repayment of all or a portion of his or her debts to the court. The court must approve the plan for it to become effective.