Collection Issues

Kane County Collection Issues Lawyer

Dedicated Legal Counsel In Your Corner

Hipple Law P.C. has 20+ years of experience helping clients in financial distress. We understand that getting phone calls from creditors and collection agencies regarding student loans, mortgages, or credit card debt only adds to your stress and anxiety. That is why we proudly provide comprehensive legal guidance to debtors who want to take control of their financial futures. We have the cutting-edge resources and in-depth knowledge of the law that you need on your side to tackle a wide variety of financial issues.

Please reach out to our law firm today at (847) 787-7179 if you are tired of dodging phone calls from collectors looking for money.

Experience & Excellence You Can Rely On

Bank Levies for Past-Due Debts

Has your bank account been frozen because you owe an unpaid debt? Judgment creditors often freeze bank accounts for weeks to collect an unpaid debt before a case is brought before the court. This type of garnishment can severely impact your ability to pay for food, utilities, rent, and gas to drive to work.

If you are facing a bank levy, then filing for bankruptcy can help you get immediate access to frozen funds. We have extensive experience in this area and can help you find a workable solution to resolve your financial hardship.

Citation to Discover Assets

A Citation to Discover Assets is a collection tool that requires a debtor to appear in court and answer questions about their property and income so that creditors can obtain access to your property and income to pay a debt.

A Citation to Discover Assets is very powerful because it creates a lien on all “non-exempt” personal property” for at least six months and prohibits debtors from transferring or disposing of nonexempt property. Filing for bankruptcy can help avoid the consequences of a citation lien. Contact us today if you are being sued or have a judgment or a citation to discover assets issued against you.

Credit Card Debt Solutions

Both Chapter 7 and Chapter 13 bankruptcy can help eliminate excessive credit card debt. In a Chapter 7 case, debtors can usually eliminate nearly all unpaid credit card obligations, while a Chapter 13 bankruptcy may allow debtors to repay only a small portion of unpaid credit card debt through an approved plan. With our extensive experience in your corner, you will have the reliable counsel you need to find a workable solution to resolve your outstanding credit card debt.

Eviction Defense

Do you owe unpaid rent to your landlord? Did you fail to pay homeowners association dues and now they want to evict you from your home? Are you worried about being evicted because you cannot pay rent? Do you owe unpaid rent to a former landlord who is threatening to sue you? There is help available to address eviction issues when you file for federal bankruptcy protection.

Bankruptcy can stop an eviction and give you more time to repay unpaid homeowners association dues or eliminate unpaid rent debt. Let us guide you through the bankruptcy process and help you find a workable solution to resolve your financial hardship.

Foreclosure Defense

Do you have past-due mortgage payments? Have you received a Notice of Foreclosure? There are options available in bankruptcy that can help you catch up on late payments and save your home from the threat of foreclosure.

Filing a Chapter 13 bankruptcy plan gives debtors five years to cure a mortgage default as they continue to make their regular mortgage payments. There is also a federal automatic stay in bankruptcy that prohibits creditors from continuing mortgage collection and foreclosure proceedings during the case.

Judgments & Liens

Judgments are a powerful tool used by creditors to collect unpaid debts. Creditors will frequently file a lawsuit to obtain a judgment. Once a judgment is entered, the creditor can record the judgment as a lien against the debtor's home, seek wage garnishments and request bank levies to freeze checking and savings accounts.

Creditors will also often ask the court to allow a citation to discover assets to create a lien on all of a debtor's non-exempt personal property. Filing for bankruptcy can help you avoid the consequences of a collection judgment.

Medical Debt Relief

Hipple Law P.C. understands that serious illness can result in excessive medical bills, even when you have insurance. Bankruptcy is an option to help you resolve issues with unpaid medical debts. In a Chapter 7 case, you can often eliminate all payment obligations for past medical debts. In a Chapter 13 case, you might be able to repay only a portion of your unpaid medical creditors with an approved plan.

Payday Loan Debt

Payday loans can be eliminated in bankruptcy as a dischargeable unsecured debt, so don’t be misled by payday lenders who tell you otherwise. You can avoid high-interest rates, wage assignment agreements, and aggressive payday loan collectors by filing for bankruptcy.

Repossession Defense

Has your vehicle been repossessed? Are you late on car payments? Is your lender threatening repossession? We know that vehicle lenders can be some of the most relentless creditors if you are late with or miss your payments. If you need time to catch up on late payments or you cannot afford a vehicle, then bankruptcy is an option to consider. You can also surrender vehicles or you might be eligible to repay a car loan at a lower interest rate with a court-approved plan in a bankruptcy case.

Wage Garnishment Defense

Are your wages currently being garnished? Can you no longer afford to pay for food, transportation, and rent because too much of your paycheck is going towards paying back creditors? Are you worried that a creditor could garnish your wages if they sue you?

Wage garnishment is very serious because it can severely restrict your ability to pay for living expenses and necessities. When you file for bankruptcy, there is an automatic stay to stop wage garnishments immediately. You might also be able to avoid paying the garnishment creditor for an unpaid debt if you file for bankruptcy.

Hipple Law P.C. possesses more than 20 years of legal experience and can assist you today with your debt collection issues. Please call (847) 787-7179 or fill out our online form to schedule a consultation.

Client Reviews

  • Very patient & helpful.

    “Very patient and helpful in explaining the complex setup of trusts and pitfalls to be aware of.”

    - Ron L.
  • Roxanna and Cynthia are excellent!

    “They follow through, are committed, and care!”

    - Kerry W.
  • Best experience we have had working with a lawyer.

    “She explained everything in a language we could understand, answered all of our questions, and was very easy to speak with.”

    - Joanne M.
  • Illinois State Bar Association
  • National Association of Consumer Bankruptcy Attorneys

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