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Bankruptcy Assistance For Herrin, Illinois

Bankruptcy can sometimes be seen as a frightening process that’s only utilized by those who are financially irresponsible. In reality, bankruptcy is a legal protection afforded to every American citizen and it may just be the solution to your debt problems. Filing for bankruptcy allows you to:

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

However, that’s not all of the benefits afforded to debtors. The state of Illinois has generously applied national bankruptcy laws so that most unsecured debt can be discharged. Debts such as medical expenses, utility bills, payday loan debts, deficiency debts related to vehicle repossession and home foreclosure, and credit card debts can all be forgiven in a bankruptcy filing. In many ways, a bankruptcy is a lot like a financial fresh start.

Why Speak With A Bankruptcy Law Firm?

Too often, individuals resort to quick band-aid fixes for their debt problems. These fixes are more harmful than helpful and can heavily damage your finances. Such fixes include:

  1. 1) Borrowing money from family and friends
  2. 2) Mistakenly selling assets protected from creditors
  3. 3) Writing bad checks
  4. 4) Securing loans from payday loan companies at interest rates well over 50%
  5. 5) Liquidating retirement accounts to make bill payments
  6. 6) Taking out cash advances on credit cards
  7. 7) Engaging in fraudulent/illegal activity

At a Bankruptcy Law Firm, LLC, we’ve helped hundreds of Herrin residents avoid bad financial decisions and unshackle themselves from debt. As a firm that specializes in consumer bankruptcy, we’re able to provide you with fast and exceptional results for your Chapter 7 or Chapter 13 bankruptcy. Not only that, but we can give you advice to repair and rebuild your finances that extends beyond bankruptcy. Firm founder, Michael J. Benson is one of just a handful of attorneys to also possess a CPA and Series 7 license. As a licensed accountant and investor, Michael can appropriately address any personal finance concerns you may have. Contact A Bankruptcy Law Firm, LLC today to set up a free initial consultation with Attorney Benson.

Debt Management Resources In Herrin

The word ‘personal’ implies that you could manage your finances alone. However, your personal finances will likely benefit with the help of outside experts and tools. Should you like help managing your debt, there are local finance resources scattered throughout Herrin. We’ve listed a select handful of 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

Robert Jilek CPA 616 S Park Ave Herrin, IL 62948 (618) 988-1265

Swinford Tax Service 206 N 14th St Herrin, IL 62948 (618) 942-6649

Hudgens & Meyer, LLC 1800 W Boulevard St A Marion, IL 62959 (618) 993-5553

Financial Institutions

Bank of Herrin 101 S Park Ave Herrin, IL 62948 (618) 942-6666

Banterra Bank 318 S Park Ave Herrin, IL 62948 (618) 942-7373

First Southern Bank 114 W Monroe St Herrin, IL 62948 (618) 942-3151

Peoples National Bank 2 S Park Ave Herrin, IL 62948 (618) 942-9425

Williamson County Catholic Credit Union 210 W Monroe St Herrin, IL 62948 (618) 942-5626

Financial Advisors

Gary L. Gray 921B S Park Ave a Herrin, IL 62948 (618) 942-2360

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

Northwestern Mutual 104 E Walnut St Herrin, IL 62948 (618) 988-8080

Herrin Debt Management Blog

Bankruptcy offers a fresh start, but it’s then up to you to manage your finances and balance new debt after bankruptcy. We created our Herrin debt management blog to aid our clients on their financial journeys. Each month we post relevant tips, tricks, and resources to help you up your personal finance game. Read our latest 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!