Credit card debt relief · Des Plaines and the Northwest suburbs
Eliminate high-interest credit card debt.
Exhausted from working hard and still falling behind? Bankruptcy finally sets the credit card math in your favor — and it clears your other debts too.
You work with me. No hand-offs. Helping Des Plaines residents since 2011.
Google review · ★★★★★
“Mr. Corbin helped me overcome my fear and take a step forward.”
— Sarah M.
The problem
Trapped by credit card “math”?
Credit card math is simple: they win, you lose. High interest, hidden fees and penalty rates are designed to keep you paying forever.
- Interest rates of 27.99%, 32.99%, even higher
- Minimum payments that barely touch the principal
- Late fees, annual fees and penalty rates — even when you are trying
“Why is this interest rate so high? We always pay on time!” — I hear it every week. Paying on time was never the way out.
The answer
Bankruptcy is federal law. Credit card companies have to follow it.
Three things happen, in this order.
1. The calls stop the day you file.
The automatic stay takes effect the moment your case is filed. Collection calls, texts, lawsuits, garnishments and repossessions have to stop.
2. The debt is erased.
The discharge is the goal of the case: the court eliminates your credit cards, medical bills, personal loans and more. Creditors cannot collect, ever.
3. You keep what matters.
Most of my clients keep their home, their car and their paycheck. We check that before you decide anything.
Protection: the automatic stay
Instant relief from creditor pressure
The moment your case is filed, federal law requires most creditors to stop collection activity. That pause is the automatic stay, and it gives you breathing room while your case moves forward.
Credit card companies are usually notified within 24 hours. I personally notify anyone who is suing you, garnishing your wages or bank account, or trying to repossess your car. If a creditor does not stop, the court sanctions them.
“I can finally answer my phone without fear.”
Freedom: the discharge
Bankruptcy eliminates many types of debt, not just your cards
The discharge is the end result of your case: elimination of debt. Once it is entered, your creditors cannot collect and cannot even try.
#cards
Credit cards and store cards
The balance, the interest and the fees. All of it.
#loans
Personal loans and internet loans
Including the high-rate online lenders.
#medical
Medical bills
Hospital, doctor and ambulance bills, and the collectors holding them.
#lawsuits
Lawsuits, judgments and garnishments
Stopped by the filing, eliminated by the discharge.
Two ways to get there
Chapter 7 or Chapter 13? We pick the one that fits your paycheck.
Chapter 7 — the fresh start
Debts eliminated in a few months. For people whose income fits the means test. Most credit card cases are Chapter 7.
See if you qualify →
Chapter 13 — the repayment plan
Three to five years, one affordable monthly payment, and it can stop a foreclosure or catch up a car. For higher incomes and for protecting property.
How the plan works →
A real Chapter 7 case
Over $100,000 in credit card debt eliminated.
- Debts: credit cards, personal loans, internet loans, medical bills
- Case over in less than four months
- Phone calls and text messages stopped within a few days
- Lawsuits stopped dead in their tracks — forever
- Total cost of the case: around $2,500
Every case is different. Yours gets the same attention.
How it works
One phone call starts it. You work with me the whole way.
Call or schedule online
Tell me what you owe and what you earn. I tell you the same day whether bankruptcy makes sense and which chapter.
We file
You bring the paperwork, I prepare the case. From the day it is filed, the calls and the lawsuits stop.
The debt is discharged
Chapter 7 is usually over in about four months. Chapter 13 is a plan you can actually afford. Either way, you get your paycheck back.
Questions I hear a lot
Straight answers before you call
Once you decide to file and you qualify, most people stop paying the cards that will be eliminated. We go over which ones on the first call.
Most of my clients keep both. Illinois exemptions protect a lot, and Chapter 13 exists for the cases where Chapter 7 would not. This is the first thing we check.
The automatic stay takes effect the moment the case is filed. Credit card companies are usually notified within a day or two; I notify anyone suing you or garnishing you myself.
A flat fee, quoted before you decide anything, and usually less than a few months of the minimum payments you are making now. Ask on the call.
Stop paying the credit card companies for the rest of your life.
One call. No hand-offs. No stress.