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Bankruptcy Assistance For O’Fallon, Illinois

Feeling shackled by debt? Filing for bankruptcy may be the solution to your debt problems. Attorney Michael J. Benson and A Bankruptcy Law Firm, LLC have helped dozens of O’Fallon residents eliminate piling debt. You can alleviate the stress on your financial situation by filing a Chapter 7 or Chapter 13 bankruptcy. Bankruptcy filings provide several benefits, including:

  1. 1) Eliminating Credit Card Debt
  2. 2) Avoiding Home Foreclosure
  3. 3) Protecting Your Possessions
  4. 4) Stopping Vehicle Repossession
  5. 5) Saving Your Retirement Savings
  6. 6) Ending Creditor Harassment

Our firm specializes exclusively in consumer bankruptcies which allows you to receive exceptional results in a timely manner. The federal bankruptcy laws applied by the state of Illinois are very forgiving; allowing you to discharge a majority of your unsecured debts. In a Chapter 7 bankruptcy, we can help you discharge credit card debts, payday loan debts, utility bills, medical expenses, deficiency debt related to car repossessions and home foreclosures, and more.

Why Work With A Bankruptcy Law Firm?

Coping with overwhelming debt is one of the most emotionally and financially taxing experiences a person can endure. Too often, the pressures applied by creditors causes individuals to take drastic courses of action. Unfortunately, drastic decisions typically aren’t financially sound decisions. Debtors have made their financial situations worse by:

  1. 1) Securing loans from payday loan companies at rates of up to 300%
  2. 2) Unnecessarily liquidating retirement accounts to pay bills
  3. 3) Stressing close relationships by borrowing money from friends and family
  4. 4) Accidentally selling assets that are protected from creditors
  5. 5) Taking out cash advances on credit cards
  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

Engaging in any of these activities can prolong your financial recovery for years. Thus, it’s imperative you weigh all of your options before taking any action to reduce debt. When you meet with an experienced bankruptcy attorney, your unique financial situation will be analyzed so the best course of action can be formulated. Moreover, when you contact A Bankruptcy Law Firm you will be put in touch with the firm founder, Michael J. Benson. In addition to being a licensed bankruptcy attorney, Attorney Benson is also a licensed investor and certified public accountant. Michael’s expertise in multiple aspects of finance allow him to provide well-rounded advice for repairing and rebuilding your finances. Contact A Bankruptcy Law Firm, LLC today to schedule a free initial consultation with Michael.

Debt Management Resources In O’Fallon

At times, dealing with debt can leave you feeling helpless and alone. Luckily, debt management is not a solo endeavor. There are several businesses in the O’Fallon area available to assist you. From local banks to financial advisors, help is never very far away.

Bankruptcy Court

US Bankruptcy Court
750 Missouri Ave
East St Louis, IL 62201
(618) 482-9400

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

Rickhoff & Associates Ltd 1107 Frontage Rd O'Fallon, IL 62269 (314) 427-1331

Diel & Ferguson Financial Group 852 Cambridge Blvd O'Fallon, IL 62269 (314) 454-0438

ANH LE, CPA 722 Lincoln Hwy Fairview Heights, IL 62208 (618) 622-0829

Bill’s Tax Services 4965 Stone Falls Center Suite 1 O'Fallon, IL 62269 (618) 624-0350

Elafros Financial 3 Eagle Center # 3 O'Fallon, IL 62269 (618) 622-3173

Financial Institutions

Bank of O’Fallon 901 S Lincoln Ave O'Fallon, IL 62269 (618) 632-3595

First Bank 804 W Hwy 50 O'Fallon, IL 62269 (618) 632-3664

Reliance Bank 450 Regency Park O'Fallon, IL 62269 (618) 622-3636

First National Bank of Waterloo 104 Regency Park O'Fallon, IL 62269 (618) 632-1010

Regions Bank 400 E Hwy 50 O'Fallon, IL 62269 (800) 734-4667

Carrollton Bank 1575 N Green Mt Rd O'Fallon, IL 62269 (618) 624-1166

The Bank of Edwardsville 1177 N Green Mt Rd #100 O'Fallon, IL 62269 (618) 622-5440

GCS Credit Union 1119 S Lincoln Ave O'Fallon, IL 62269 (618) 797-7993

Central Bank 350 Hartman Ln O'Fallon, IL 62269 (618) 624-3100

Scott Credit Union 712 W Hwy 50 O'Fallon, IL 62269 (618) 345-1000

Financial Advisors

Community Financial Advisors 800 S Lincoln Ave O'Fallon, IL 62269 (618) 632-6449

Cambridge Capital Management 852 Cambridge Blvd Suite 300 O'Fallon, IL 62269 (618) 206-3262

Roth Duane 4925 Stone Falls Center O'Fallon, IL 62269 (618) 632-7684

Visionary Wealth Advisors 1405 N Green Mt Rd #500 O'Fallon, IL 62269 (618) 726-3000

Gateway Financial Resources 779 Wall St O'Fallon, IL 62269 (618) 624-2970

Benjamin F. Edwards & Co. 475 Regency Park #125 O'Fallon, IL 62269 (618) 624-1500

O’Fallon Debt Management Blog

Excelling in personal finance requires a lifelong commitment to continuous improvement. We’ve created our O’Fallon debt management blog to provide you with up-to-date news, tips, and resources, on a monthly basis. Read some of our latest posts and enhance your financial knowledge.

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!