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Bankruptcy Assistance For Carterville, Illinois

Michael J. Benson and A Bankruptcy Law Firm, LLC are proud to offer legal bankruptcy services to Carterville residents. Over the last decade, we’ve helped hundreds of Carterville residents file for Chapter 7 and Chapter 13 bankruptcies. If you’re struggling with overwhelming debt, a bankruptcy can help you:

  1. 1) Halt Creditor Harassment
  2. 2) Save Your Possessions
  3. 3) Eliminate Credit Card Debt
  4. 4) Save Your Retirement Savings
  5. 5) Stop Vehicle Repossession
  6. 6) Avoid Home Foreclosure

Moreover, there are additional benefits a bankruptcy filing can provide. To the benefit of debtors throughout the state, the national bankruptcy laws applied by the state of Illinois are extremely generous. In an Illinois bankruptcy, most unsecured debt can be eliminated. What kinds of unsecured debt can be wiped clean? Debt such as payday loan debt, deficiency debt related to vehicle repossession and home foreclosure, utility bills, credit card debt, and medical expenses can all be forgiven. In addition to the benefits afforded by a bankruptcy filing, there are benefits to choosing A Bankruptcy Law Firm, LLC.

Why Choose A Bankruptcy Law Firm?

Too often, individuals glance over bankruptcy in favor of quick band-aid remedies for overwhelming debt. Such remedies include, but are not limited to:

  1. 1) Stressing close relationships by borrowing money from friends and family
  2. 2) Taking out cash advances on credit cards
  3. 3) Securing loans from payday loan companies at rates of up to 300%
  4. 4) Accidentally selling assets that are protected from creditors
  5. 5) Unnecessarily liquidating retirement accounts to pay bills
  6. 6) Writing bad checks that could result in prosecution or high bank fees
  7. 7) Engaging in fraudulent/illegal activity or gambling to earn cash

What debtors often do not realize is that engaging in any of the aforementioned actions can actually do you more harm than good. In some cases, these band-aid remedies can prevent you from financially recovering for years or even decades. Thus, it’s to your benefit to weigh all of your options before deciding on a course of action. When you contact A Bankruptcy Law Firm, you will have the opportunity to speak with a licensed attorney, CPA, and investor. Founding attorney, Michael J. Benson will sit down with you to examine your financial situation and plot the best strategy to financial recovery. Attorney Benson’s work in multiple aspects of finance allows him the ability to properly address any finance questions you may have. Furthermore, A Bankruptcy Law Firm, LLC exclusively handles consumer bankruptcy cases. This means we’re able to ensure exceptional results in a timely manner. Contact Michael J. Benson and A Bankruptcy Law Firm, LLC today to set up a free initial consultation.

Debt Management Resources In Carterville

Sometimes a little help can go a long way. If you’re struggling with debt management, there are a number of local Carterville resources available at your disposal. Whether you’re looking for financial advice or you’d like to maximize your tax savings, we’ve outlined a few local resources below.

Bankruptcy Court

US Bankruptcy Court
301 W Main St
Benton, IL 62812
(618) 435-2200

Credit Resources

Annual Credit Report - Free Credit Reports One Time Per Year (Authorized by Federal Law)

myFICO - Information Regarding the FICO Credit Score

Accountants/Income Tax Services

Business Resource Group 809 S Division St Carterville, IL 62918 (618) 985-6570

Gray Hunter Stenn LLP 2602 W Deyoung St Marion, IL 62959 (618) 993-2647

Kevin W. Bragee, CPA, LLC 2909 Williamson County Pkwy Marion, IL 62959 (618) 993-1040

Financial Institutions

Bank of Herrin 1001 S Division St Carterville, IL 62918 (618) 985-4848

Banterra Bank 108 E. Plaza Dr Carterville, IL 62918 (618) 985-3738

Bank of Carbondale 200 Plaza Dr Carterville, IL 62918 (618) 985-5494

Peoples National Bank 707 S Greenbriar Rd Carterville, IL 62918 (618) 956-9151

First Mid-Illinois Bank & Trust 300 S Division St Carterville, IL 62918 (618) 985-5032

First Southern Bank 501, Commerce Dr Carterville, IL 62918 (618) 985-3730

Bank of Herrin 501 S Maple St Carterville, IL 62918 (618) 942-6666

Financial Advisors

Derek J. Hood 1201 S Division St Carterville, IL 62918 (618) 985-9450

Jeff Rose, CFP 115 S Washington St Suite A Carbondale, IL 62901 (618) 457-6525

Karissa Mooney 2435 W Main St Carbondale, IL 62901 (618) 549-5029

Carterville Debt Management Blog

Bankruptcy is the start of financial recovery, but working your way to financial freedom will take some personal finance knowhow. All of our clients are more than just a case number and we’re extremely invested in their future success. That is precisely why we created the Carterville debt management blog. Carterville clients and residents can progress their personal finance knowledge with the latest tips, tricks, and resources. Read our most recent posts below.

Is Bankruptcy the Right Choice?

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Coronavirus: Our Office And Your Safety

Our Offices In Illinois And Missouri: Our offices will continue to remain open to serve all our current
and future clients as we, as attorneys, have sworn an oath to uphold! A Bankruptcy Law Firm, LLC provides
legal and financial services in which Illinois and Missouri have deemed our law offices essential business
activities. Michael J. Benson is committed to ensuring each and every client is being responded to as
immediate as possible, please read below to help our law firm be more efficient so that we may help
EVERYONE with ALL your questions and concerns, especially during these uncertain times.

Precautions: Until the “Stay at Home” Orders have been lifted our offices are functioning 100%.
However, for the safety of you and our employees we are limiting in-office appointments to only those
appointments absolutely necessary, and we are timing appointments so that there will be only ONE client
in the office at any particular time. Therefore, we need your help, patience and understanding to achieve
this goal. We ask our clients to minimize their movements within our offices upon your arrival and to
refrain from using the restrooms at this time. Further, we are disinfecting the waiting area and the office
where your appointment will be held to the best of our ability in between each and every client.
Current Clients: At this time, we are conducting ALL appointments with current clients via telephone
or email communication. Michael J. Benson prefers to give personal attention to each and every client
and to meet his clients personally as much as possible throughout your entire case. However, safety
comes first during this pandemic, and therefore, we will not hold in-office appointments. Further, we
kindly ask clients to not arrive at the office unannounced as this may cause more than one client in the
office at a given time and jeopardize the safety of others—PLEASE respect the safety of others! In regards
to turning in required documentation for your case, please call the office to coordinate.
New Clients: We are still meeting with new clients who have bankruptcy questions now more than ever.
We will meet with you in person and our goal is that you will be the only client in the office at a given
time. If you believe you may have coronavirus symptoms, tested positive for coronavirus or if you are an
at-risk person, then please let our office know and we can schedule a phone consultation so that you can
still receive answers to your questions and concerns.
Phone Calls And Voicemails: Please understand that our office, like every business, is experiencing
an extraordinarily high volume of calls during this time. Again, our office is 100% committed to responding
to our clients as fast as humanly possible. WE NEED YOUR HELP – if you call the office, please leave a clear
voicemail with your name and best contact number and give a precise reason for your call. If you give us
an idea why you are calling, then you will get a quicker answer and it will enable us to be more efficient
so that we can answer more phone calls in the same amount of time so that we can give our clients the
best possible legal care!