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Benefits of Bankruptcy

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Benefits of Bankruptcy

Creditors can be relentless. They call your home constantly. If the call to your home does not work, they will call your job. In some cases, they may file a civil lawsuit to collect on the debt. This can leave you feeling powerless. If you are sick of the constant strain of creditor harassment, bankruptcy may be your solution. Possibly the most important benefit in the bankruptcy process is the automatic stay.


The automatic stay immediately takes effect when your Chapter 7 or Chapter 13 bankruptcy case is filed. This bankruptcy protection prohibits any form of debt collection efforts from your creditors. The automatic stay:

  • Stops wage garnishment

  • Stops judgment actions

  • Stops asset seizures

  • Stops home foreclosure

  • Stops auto repossession


Debt can create an enormous amount of stress and anxiety. As your debt becomes unmanageable, life becomes increasingly difficult. The overall goal in bankruptcy is to give you a fresh start. You can eliminate most debts in a Chapter 7 or Chapter 13 bankruptcy. How much debt you eliminate depends on whether you file a Chapter 7 or Chapter 13.

Bankruptcy Experience That Works for YOU

Attorney Nella E. Mariani has more than a decade of experience in bankruptcy, debt relief, and bankruptcy litigation. Her practice focuses exclusively in bankruptcy and debt relief matters. She works closely with each client and provides them with a high degree of knowledge, professionalism and sensitivity.

If you need to speak to an experienced Illinois bankruptcy attorney, contact the Law Offices of Nella E. Mariani, P.C. to schedule your FREE CONSULTATION

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