I Have a Court Date…What do I do?

     When you receive paperwork instructing a court date, it can be disorienting. Like a car crash, the police are involved, and there is suddenly paperwork that you need to do without any accommodations to your already busy life. ...

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Negotiating Debt on your Own: Know the Risks

     For some, negotiating a credit card debt or a hospital bill is like the blind date from Hell. It’s a stressful and sweat-inducing situation. You never know if the person on the other end will be nice or a complete ...

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Why Hire an Attorney to Negotiate Debts?

For some, negotiating a credit card debt or a hospital bill is like the blind date from Hell.  It’s a stressful and sweat-inducing situation.  You never know if the person on the other end will be nice or a complete pyschopath.  ...

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Can I Own a Business with Bad Credit?

          Starting a small business is a scary thing. Most data shows that while 80% make it through their first year, only a 1/3 will make it to a ten year anniversary. Despite this, the same reports indicate ...

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How Can I Keep my Credit from Preventing Me From Moving?

     I’ve heard the scenario a thousand times and I’ll hear it a thousand more: “I want to move out of my crummy apartment but my bad credit is stopping me!” In Chicago, rental companies tie credit to ...

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Will Paying My Debt Help My Credit Score?

     Will Paying My Debt Help My Credit Score?   We’re raised on a few simple rules: Never talk to strangers. Eat your vegetables. Pay your debts. Nowadays though, we have strangers driving us around in random Honda ...

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Should I File Chapter 13 Bankruptcy?

A Chapter 13 bankruptcy is a repayment plan that allows a consumer to restructure debt over an organized plan.  It’s an effective plan for people who are seeking to take care of a variety of debts, such as income taxes and parking ...

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Is it Worth Settling My Debt to Avoid Bankruptcy?

     Bankruptcy seems like a great idea but most people are scared of the “consequences.”  “It’s on my credit report forever.”  “I’m not allowed to have credit ...

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How Do I Protect my Security Deposit?

One of the most frustrating things in the world is losing money, like that five-dollar bill in your back pocket that got eaten by the washing machine.  But what about a security deposit?  For most people, that’s a lot more than five ...

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Renter Rights 101: Don’t Let them Lock You Out!

In the City of Chicago, it happens everyday.  Rent is late.  Maybe there were a few furlough days at work.  Or an emergency repair.  Whatever the reason, it happens and often to no fault of your own.  But what now?  The ...

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