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To better serve the diverse communities throughout the Chicago Metropolitan area — including Aurora, Elgin, Joliet, Naperville, and Oak Brook, IL — our Oak Brook bankruptcy attorneys and team can communicate in both English and Spanish.

Stop the Collections Calls and Start Your Journey Out of Debt

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If you are being hounded by debt collectors and ready to create a clear path out of debt, calling Chicago Bankruptcy Clinic is your first step.

"Bankruptcy" is a word that often elicits visions of financial ruin and destitution, but the truth is that bankruptcy is a tool that makes it possible to get out from under insurmountable debt with your dignity and your future prospects intact. Chapter 7 and Chapter 13 bankruptcy both provide what is known as an automatic stay. This provision takes effect when you file your petition, stopping most collection efforts so you can stop feeling harassed and start planning for a better financial future.

Don't wait any longer to take advantage of a bankruptcy lawyer's services. Request your free consultation by writing to our law firm or calling:

Clients in Need Recommend Alex Ranjha Our Oak Brook Bankruptcy Attorney

"He made this easy for me and calmed all my fears." Steve Babiarz, 5-Star Google Review

A Bankruptcy Attorney You Can Trust Welcome to Chicago Bankruptcy Clinic in Oak Brook, IL

Are you struggling to pay your bills, being sued by creditors, or facing foreclosure? No matter the circumstances you’re up against, our clinic is here to provide you with informed representation to navigate your financial setback and determine if filing for bankruptcy is ideal for you.

If you’re ready to make a fresh start on your finances, you can rely on our first-rate legal services. We serve individuals and families in Oak Brook, IL, Aurora, IL, Joliet, IL, and other communities throughout Chicagoland from our bankruptcy lawyer offices in Oak Brook and Chicago. To get started, get in touch with us today.

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Take the First Step Toward Financial Freedom With Our Bankruptcy Lawyers in Oak Brook, IL

When you’re experiencing financial trouble, it may feel like it's you against the world — but with our bankruptcy lawyer and his team, you’ll have the guidance and practical tools to successfully and confidently navigate the intricacies of bankruptcy law, filings, and proceedings. Know that you are not alone; when you become our client, you’ll be partnering with experts who are invested in a brighter future for you and your loved ones. Our comprehensive legal services include drawing up and filing the bankruptcy petition, assessing your available disposable income, and even representing you in bankruptcy court. We’ll be there to protect your interests and keep you informed every step of the way.

To determine the next steps for yourself and your family, request a free consultation with our bankruptcy lawyer and his team in Chicago or Oak Brook, Illinois.

(630) 537-0737

Request a Free Consultation With a Bankruptcy Lawyer


Michael Kilroy

Oak Brook, IL


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I referred Chicago Bankruptcy Clinic to friends and they could not be more complementary of their services. If you need help, CBC is the team to see.

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Heather Parris

Oak Brook, IL


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Bankruptcy is such a stressful time, so you want to have someone fighting for you in your corner. This company really helped my neighbor in their time of need. They will bring you great peace of mind!

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Meet Alex Ranjha

Founding Bankruptcy Lawyer
of Our Oak Brook, IL, Practice

Alex Ranjha is well-versed in the bankruptcy law and has a wealth of experience handling personal bankruptcy cases. Since our office is committed to helping all clients get the best representation possible, our Oak brook bankruptcy lawyer and his team will take the time to learn about your financial situation and help you take advantage of the benefits of Chapter 7 or Chapter 13 bankruptcy.

The road ahead may seem intimidating, but with our counsel, you can feel confident about moving forward. Don’t delay — take the first step in working with Alex Ranjha and his team by contacting our offices in Chicago or Oak Brook, Illinois, today.

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Alex Ranjha

Types of Bankruptcy Our Chicago Attorney And His Team Specialize In

Our bankruptcy attorney and his team take the stress out of bankruptcy by handling all of the legalities involved in the process. From preparing and filing the petition to advocating for you before the bankruptcy trustee and the court, we’ll provide the caliber of representation you need to make everything as thorough, convenient, and favorable as possible.
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Chapter 7 Bankruptcy

Also referred to as a straight or liquidation bankruptcy, Chapter 7 bankruptcy can eliminate most of your unsecured debt. The courts may require selling off some of your assets to pay off as much of the debt as you can. In order to file, you must pass a means test, which is designed to determine that you have the means to repay a portion of your debt. 

All in all, Chapter 7 bankruptcy makes sense for those who:

  • Have little to no disposable income and no way to repay overwhelming debts
  • Do not have many assets
  • Have a low credit score

Under bankruptcy law, debts that may be discharged include credit card debt, medical bills, past-due utility bills, unsecured personal loans, and more. Our attorney and his team will look closely at your financials to determine if you should file for Chapter 7 bankruptcy or look to other options.

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Chapter 13 Bankruptcy

Also referred to as a reorganization bankruptcy or a wage earner’s plan, Chapter 13 bankruptcy enables individuals with a regular income to develop a plan to repay all or part of their debts, typically over the course of three to five years.

Chapter 13 lets you catch up on secured debts — such as your home or your car — while discharging unsecured debts. Among the biggest draws of this type of bankruptcy is that it lets debtors keep their property and catch up on missed mortgage, car, and priority debt payments.

The main difference in eligibility between Chapter 7 and Chapter 13 bankruptcy boils down to income. Our bankruptcy attorneys and paralegals in Oak Brook or Chicago, IL, will work closely with you to devise a repayment plan designed for bankruptcy court and creditor approval.

Benefits of Chapter 7 Bankruptcy

For the right client, under a qualified attorney's guidance filing for Chapter 7 can provide important benefits, including:

  • Property retention: With an attorney's help, you can keep your home, your car, and other essentials.
  • Restored credit: Even though your credit report will show your Chapter 7 bankruptcy for up to 10 years, you can gradually repair your credit score.
  • Stopping creditor harassment: Once you file your bankruptcy petition, most creditors will be barred from contacting you or taking collection measures such as repossession or wage garnishment.
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Benefits of Chapter 13 Bankruptcy

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Filing for Chapter 13 under a qualified lawyer's guidance can provide a number of unique advantages, such as:

  • Stopping foreclosure: Once you have filed your petition and the automatic stay is enacted, foreclosure of your home stops.
  • Repaying back taxes: If you have back taxes that can't be discharged, they can be included in your custom repayment plan, and the IRS must accept the predetermined payment amounts. 
  • Repaying your student loans: Student loans cannot be discharged, but as part of your bankruptcy filing, your custom payment plan can allow you to pay them off in increments that you can afford. Your lawyer can work with the trustee to make sure this plan is feasible.

Our Lawyer and His Team Will Help You Determine Which Type of Bankruptcy Is Right for You

If you’re dealing with financial hardships, you may be unsure of what your next move should be — or if filing for bankruptcy is even the best option for you. If you’re looking to explore your debt relief options, it pays to partner with an experienced bankruptcy attorney to determine if Chapter 7 or Chapter 13 bankruptcy is more suitable for your circumstances and your goals. 

Don’t brave the storm alone; contact our Oak Brook bankruptcy attorney and his team today to make informed legal decisions about your financial future and bankruptcy filing. We welcome clients from throughout Illinois.

Call (630) 537-0737Message Us


Lawrence Moreno


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They helped back in 2017 with my bankruptcy and it was smooth, a question came up just recently and they were more then willing to help out no questions asked!!

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Joanne Saviano


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I would strongly suggest anyone looking to file for bankruptcy to contact them for immediate debt relief

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Answers to Frequently Asked Questions About Bankruptcy

If you have questions about bankruptcy, the best way to get the answers you need is to reach out to our Oak Brook bankruptcy attorney. Until you are able to attend a free consultation with our attorney and his team, we have provided answers to some of the most common questions our clients ask:

Should I file for bankruptcy before, during, or after a divorce?

If you are going through a divorce, or expect to be in the near future, the answer to this question depends on many factors. An attorney can be instrumental in helping you make the right choice about when to file for bankruptcy in relation to a divorce. Filing for divorce and bankruptcy simultaneously means the judge cannot split assets until the bankruptcy process has concluded. If you file before a divorce, you and your ex-spouse can share legal expenses and filing fees. If your divorce is contentious, it may benefit you to wait until the divorce is complete before filing bankruptcy. Our attorney and his team are here to help you optimize your timing.

Will I be paying creditors directly if I file for bankruptcy?

No—once the court has approved your customized repayment plan (as in Chapter 13) or collected and liquidated your non-exempt assets (as in Chapter 7), a trustee will be responsible for distributing payments to your creditors. 

Can student loans be discharged when you file for Chapter 7 bankruptcy?

When you file Chapter 7 bankruptcy, student loans are considered unsecured debt, meaning they can be discharged. Other examples of unsecured debt include credit cards, medical bills, and utility bills.

How long does bankruptcy stay on your credit report?

Chapter 7 bankruptcy will stay on your credit report for seven to 10 years. Chapter 13 is typically lifted from your credit report seven years after your filing.

How long after bankruptcy can I get a mortgage?

Under Chapter 7, it takes four years to qualify for a conventional mortgage, two years for Federal Housing Administration or Veterans Affairs loans, and three years for a loan through the United States Department of Agriculture. Under Chapter 13, it takes two years to qualify for a conventional mortgage, one year for FHA or VA, and one year for USDA.

How many times can I file for bankruptcy?

There is no limit to the number of times you can file bankruptcy in your life, but there are restrictions regarding when you become eligible for a subsequent filing. If you have filed Chapter 7 before, you must wait eight years from the date of your previous filing until you can file for Chapter 7 again, or four years until you can file for Chapter 13. If you have filed Chapter 13 in the past, you must wait two years from the date of your previous filing to file for Chapter 13 again, or four years until you can file for Chapter 7.

Does bankruptcy clear tax debt?

Chapter 7 bankruptcy can clear your federal or state income tax debt. However, bankruptcy cannot clear all taxes. The courts do not allow payroll taxes and fraud penalties, for example, to be discharged.

Clients Review Their Experience With Our Oak Brook Bankruptcy Attorneys

"Very respectable and well spoken professionals." Damiano Manzella
attorney Alex Ranjha

Chicago Bankruptcy Clinic

At Chicago Bankruptcy Clinic, our bankruptcy attorneys and paralegals work closely with clients to assess their financial situation and explore debt relief options, including filing for Chapter 7 and Chapter 13 bankruptcy. Our team is proud to be affiliated with the following organizations:

  • Illinois State Bar Association
  • Chicago Bar Association

We offer free consultations and flexible payment plans. To learn more about foreclosure and bankruptcy, contact our office online or call (630) 537-0737 today.

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