Hubeny & Zaba, LLC, located in Westmont, DuPage County, assists individuals who need debt relief, and do not qualify for Chapter 7 bankruptcy or have non-dischargeable debt. Chapter 13 bankruptcy allows people to maintain their assets and repay their debts over time by restructuring them into a lower monthly payment.
If you are facing foreclosure, behind on your car payments or have non-dischargeable debt, Chapter 13 bankruptcy may be the right solution for you. While Chapter 13 does not eliminate your debt as Chapter 7 bankruptcy does, it does allow you to reduce your monthly payments by consolidating your debts. In most cases, you are only required to repay a portion of what is owed.
Your monthly payment will be determined by your income, current monthly expenses and your non-exempt assets. Once you have completed your payments according to the Chapter 13 plan, the remainder of your debt will be discharged. The best part is you are able to keep all of your assets.
Our attorneys at Hubeny & Zaba, LLC are your resource for all of your bankruptcy information and questions. We believe every client deserves exceptional service and the right to have all relevant information in order to make an informed decision.
Call 630-455-0500 or email us to schedule a free consultation. Evening or weekend appointments are available by request.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.