Chapter 13

Welcome to the profile of Chapter 13, a legal service provider located in Chicago, Illinois, specializing in Chapter 13 bankruptcy. As a listing in our "Nearby Lawyers" category, we connect local users with legal resources that can assist with various legal and financial challenges. Chapter 13 of the United States Bankruptcy Code provides a framework for individuals with regular income to reorganize their finances and repay debts over a period of three to five years under a repayment plan approved by the bankruptcy court. This option can help individuals avoid liquidation of assets while addressing their debt obligations. However, it is important to note that recent online reviews regarding this particular entity raise significant concerns about their communication and customer service.

Location and Environment:

Chapter 13 is situated at 224 S Michigan Ave #800, Chicago, IL 60604, USA. This address is in a prominent downtown Chicago location, suggesting a professional office environment within a larger commercial building. While specific details about the office atmosphere are not available from the provided information, it is typical for legal service providers to maintain a setting conducive to client consultations and the handling of sensitive financial matters. However, the negative reviews concerning communication might indicate potential challenges in accessibility or responsiveness, regardless of the physical office environment.

Services Offered:

Given the name "Chapter 13," it is highly likely that the primary service offered by this entity is legal assistance related to filing for Chapter 13 bankruptcy. This encompasses a range of services designed to help individuals navigate the complexities of this specific type of bankruptcy, including:

• Eligibility Assessment: Evaluating a potential filer's eligibility for Chapter 13 bankruptcy based on their income, debt levels, and other financial circumstances.
• Debt Analysis: Reviewing the individual's debts, including secured debts (like mortgages and car loans), unsecured debts (like credit card debt and medical bills), and priority debts (like certain taxes and child support).
• Repayment Plan Development: Assisting in the creation of a feasible repayment plan that outlines how the debtor will repay their debts over a specified period, typically three to five years. This plan must be approved by the bankruptcy court.
• Filing Bankruptcy Petition and Schedules: Preparing and filing the necessary legal documents with the bankruptcy court to initiate the Chapter 13 case.
• Representation at Creditors' Meetings: Attending the meeting of creditors with the client, where the bankruptcy trustee and creditors may ask questions about the debtor's financial situation and the proposed repayment plan.
• Plan Confirmation Process: Guiding the client through the process of seeking court approval (confirmation) of the proposed repayment plan.
• Ongoing Case Management: Providing legal guidance and representation throughout the duration of the Chapter 13 repayment plan, addressing any issues that may arise.
• Addressing Motions and Objections: Responding to any motions filed by creditors or objections raised by the bankruptcy trustee.
• Discharge of Debts: Working towards the successful completion of the repayment plan and the eventual discharge of eligible remaining debts.

While the focus appears to be solely on Chapter 13 bankruptcy, individuals with broader debt-related issues might need to inquire if the firm offers any related services or can provide referrals.

Features and Expertise:

The limited information available, primarily consisting of negative customer reviews, makes it challenging to objectively assess the firm's features and expertise. The reviews highlight significant concerns regarding their operational aspects:

• Lack of Responsiveness (Negative Review): One reviewer explicitly states that the firm does not respond to emails and that their phone line remains busy. This raises serious questions about their communication efficiency and accessibility for clients.
• Discomfort with Payment Procedures (Negative Review): The same reviewer expresses discomfort with being instructed to mail payments, suggesting a potential lack of secure or preferred payment methods and raising concerns about transparency in financial transactions.
• Poor Customer Service (Negative Review): Another reviewer details negative experiences with the call center staff, describing unpleasant exchanges and an attitude problem despite the reviewer's politeness. This indicates a potential systemic issue with customer service and communication skills within the firm.
• Difficulty in Getting Questions Answered (Negative Review): The frustration expressed by the second reviewer about encountering negative attitudes when calling in to ask questions further underscores the communication challenges and potential difficulties clients may face in getting necessary information and support.

The absence of positive reviews or information detailing the attorneys' qualifications, experience, or specific areas of expertise within Chapter 13 bankruptcy makes it difficult to provide a balanced perspective. Potential clients must weigh these significant communication and customer service concerns heavily when considering this firm.

Promotional Information and Why Consider Chapter 13 (with a strong caution):

While Chapter 13 bankruptcy itself can be a valuable tool for individuals in Chicago facing overwhelming debt and seeking a structured way to repay their obligations while protecting their assets, the negative reviews associated with this specific entity, "Chapter 13" located at 224 S Michigan Ave #800, warrant extreme caution. Typically, reasons to consider Chapter 13 bankruptcy (in general, not necessarily through this specific provider based on current feedback) might include:

• Preventing Foreclosure: Chapter 13 can allow homeowners to catch up on missed mortgage payments over time and avoid foreclosure.
• Protecting Assets: Unlike Chapter 7 bankruptcy, Chapter 13 allows debtors to keep valuable assets, such as their home and car, as long as they can adhere to the repayment plan.
• Dealing with Non-Dischargeable Debts: Chapter 13 can provide a way to manage certain non-dischargeable debts, such as some taxes, through a repayment plan.
• Creating a Structured Repayment Plan: The bankruptcy court approves a repayment plan that outlines how debts will be paid over a set period, providing a framework for financial reorganization.

However, given the serious negative feedback regarding communication, responsiveness, and customer service associated with this particular "Chapter 13" entity, local users in Chicago should proceed with extreme caution. The inability to reach the firm, the discomfort with payment procedures, and the reported negative interactions with staff are significant red flags. It is strongly recommended that individuals seeking Chapter 13 bankruptcy assistance in Chicago thoroughly research other bankruptcy attorneys and law firms with more positive and reliable communication practices and customer service records.

Contact Information (Use with Caution):

If, despite the significant concerns raised in the reviews, you wish to attempt contact with Chapter 13, their information is as follows:

• Phone: (312) 294-5100
• Mobile Phone: +1 312-294-5100
• Address: 224 S Michigan Ave #800, Chicago, IL 60604, USA

We strongly advise potential clients to exercise due diligence and seek out alternative bankruptcy legal services in Chicago that demonstrate more reliable communication, transparent practices, and positive client feedback. Your financial well-being is critical, and choosing a responsive and reputable legal partner is paramount when navigating the complexities of bankruptcy.