Chapter 13 Bankruptcy Attorney In Barrington, Palatine & Chicago, IL
How Our Attorney Can Help With Your Chapter 13 Bankruptcy Case
Debt Relief & Reorganization for Individuals with Steady Income
If you’re struggling to keep up with mortgage payments, car loans, or mounting credit card debt, Chapter 13 bankruptcy can help you regain control of your finances without losing your assets. At John H. Redfield & Associates, we provide trusted legal guidance for individuals in Barrington, Palatine, and Chicago, Illinois, helping them restructure debt, stop collection actions, and work toward a stronger financial future.
With a deep understanding of bankruptcy law and a commitment to personalized service, our firm helps clients create realistic repayment plans that fit their income and priorities — allowing them to move forward with confidence and peace of mind.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy, also known as a wage earner’s plan, allows individuals with regular income to reorganize their debts into a single, manageable monthly payment. Unlike Chapter 7, which involves liquidation, Chapter 13 enables you to keep your home, vehicle, and other assets while paying down debt over a period of three to five years.
During this process, you’ll work with the court to create a repayment plan that fits your budget. Once approved, creditors must adhere to that plan — giving you protection from foreclosure, repossession, and collection actions while you make payments.
This approach is ideal for:
- Homeowners trying to prevent foreclosure
- Individuals behind on car loans or taxes
- People with steady income who want to repay debt without losing property
- Those who don’t qualify for Chapter 7 due to income levels
Personalized Chapter 13 Legal Representation
At John H. Redfield & Associates, we know that every client’s financial situation is different. We take the time to understand your income, assets, and goals to craft a customized repayment plan that sets you up for long-term success.
Our Chapter 13 services include:
- Preparing and filing your Chapter 13 petition
- Developing repayment plans tailored to your income
- Stopping foreclosure and repossession actions
- Representing you in bankruptcy court
- Managing all creditor communications on your behalf
Whether you live in Barrington, Palatine, or Chicago, we provide compassionate, knowledgeable support throughout the entire process — from filing to plan completion.
How Chapter 13 Can Help You
Filing for Chapter 13 bankruptcy offers immediate relief from financial pressure. As soon as your case is filed, an automatic stay goes into effect, stopping creditor harassment, lawsuits, and wage garnishments.
Over the course of your repayment plan, you can:
- Catch up on missed mortgage or car payments
- Consolidate multiple debts into one payment
- Pay off a portion of unsecured debts like credit cards or medical bills
- Rebuild your credit and financial stability
When your repayment plan is successfully completed, remaining eligible debts may be discharged, giving you a true fresh start.
Speak with a Chapter 13 Bankruptcy Attorney Today
Serving clients in Barrington, Palatine, and Chicago, IL, John H. Redfield & Associates is dedicated to helping individuals overcome debt and rebuild financial confidence.
Contact us today to schedule a confidential consultation and learn how Chapter 13 bankruptcy can help you stop foreclosure, protect your assets, and find lasting financial relief.
Understanding Your Chapter 13 Case
Contact Us
Office Locations
840 S Northwest Hwy Ste 201
Barrington, IL 60010
135 S LaSalle St # 3950 Field Building,
Chicago, IL 60603