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The information contained within this website is just the beginning of understanding how bankruptcy may help your current financial situation. Everyone has different facts and circumstances and would make varying decisions when given choices. Therefore, you should contact our office immediately if you are still interested or do not fully understand how bankruptcy could help you. WE OFFER A FREE INITIAL BANKRUPTCY CONSULTATION to discuss your situation, decide which bankruptcy is right for you (or determine if it will not help you achieve your goals), and to develop a plan to accomplish your goals. Simply click on one of our locations to the right that is nearest you and call the phone number to schedule a free appointment (evening and weekend appointments are available,) click here to have us contact you or call us now at (800) 7-BENSON and we will direct your call to your nearest office.


It is highly recommended, but not mandatory, that you obtain a credit report to aid in gathering all your creditors when providing us with the information necessary to file your bankruptcy. The official website to obtain a FREE credit report from all 3 major credit reporting agencies, Equifax, Experian and TransUnion, is This website provides consumers with the secure means to request and obtain a free credit report once every 12 months in accordance with the Fair and Accurate Credit Transactions Act (FACT Act). It is important to note that not all creditors report to a credit reporting agency, and therefore, you may owe creditors for debts that you do not see on your credit report, and you must not forget to list those creditors as well.

(for Chapter 13 clients whose bankruptcy Trustee is Russell C. Simon only)

Each person who files for bankruptcy must take a credit counseling course before your bankruptcy case can be filed with the Court (we assist you in completing this requirement), AND each person must take a financial management course after the bankruptcy has been filed but before the bankruptcy has been completed and closed. If, and only if, you have filed a Chapter 13 bankruptcy and your Trustee is Russell C. Simon, then he offers a FREE FINANCIAL MANAGEMENT COURSE. This course is generally held one Saturday per month for approximately 2 hours—you only need to attend one Saturday. Follow this link,, to the website with a list of upcoming dates, times and location for the class.

For current or prospective clients who have filed a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in which Mr. Simon is not the Trustee, you will receive the information to attend this class by telephone or internet for a small fee (approx. $60.00) at your signing appointment and can be found in the folder provided to you at that time.

Important Disclaimer: The information discussed above and throughout this website should not be relied upon to make any decisions without first speaking to a bankruptcy attorney. There are many intricate rules of law governing bankruptcy with many exceptions to the general rules that could change the advice given by an attorney based on the differing facts in each person’s special set of circumstances. THEREFORE, it is important to discuss any information contained in this website with one of our attorneys before taking any action or refraining from taking any action.

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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!