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Chapter 13 Attorney

Through a Chapter 13 plan, you can repay your debts over multiple years if you have a regular income. 

Chapter 13 bankruptcy offers major benefits over the Chapter 7 option – most notably, the ability to stop foreclosure proceedings. 

At the Chicago Bankruptcy Clinic in Oak Brook, IL, our attorney's team finds fresh starts for debtors with the Chapter 13 solution. 

Se Habla Español

Approximately 1/3 of Chicagoans speak a language other than English in the home. Our clinic is bilingual, allowing us to provide life-changing bankruptcy attorney services to both English and Spanish-speaking clients. 

What Is Chapter 13?

Chapter 13 is a bankruptcy relief option that is often referred to as a reorganization bankruptcy. It allows debtors who have a consistent income to create payment plans promising to repay all or some of their debts over a three- to five-year time period. 

Once our bankruptcy attorney's office has successfully filed for Chapter 13 on your behalf, bankruptcy courts stop creditors from seeking payment from you. Completing your Chapter 13 plan will lead to the elimination of all debts – even those that are not fully paid off. 

Chapter 13 payments must be made with disposable income. Therefore, it is crucial to prove you have enough income to account for your living expenses and pay your debtors. Eligibility is determined through a "means test" that evaluates your average monthly income. Our bankruptcy attorneys will help you pass this "means test" so you can reap the many rewards Chapter 13 offers. 

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Chapter 13 Creates a Barrier Between You and Creditors


If our Oak Brook, IL, clinic gets your Chapter 13 bankruptcy plan approved, the court will appoint a trustee to handle your repayment plan. You will make monthly payments to the trustee, who is in turn responsible for paying your creditors according to a clearly defined schedule. This ensures you have no contact with creditors. 

Illinois Relies on Our Attorney For These Reasons and More

Years in Practice

Our attorneys have spent years successfully handling bankruptcy cases. Our in-depth knowledge allows us to handle complex bankruptcy matters that others cannot.

Client Care

We always keep your best interests at heart as we help eliminate secured and unsecured debts. This includes offering free consultations and providing flexible payment plans

Request Help From Proven Bankruptcy Attorneys

If you are experiencing financial trouble through no fault of your own — a job loss, a medical emergency, unexpected expenses — turn to Chicago Bankruptcy Clinic

When you partner with us, you can rest assured we will never judge you. Instead, we will offer you trustworthy advice and objective insights so that you can make the best decisions about your future. Our comprehensive legal services include:

  • Drawing up and filing the bankruptcy petition
  • Assessing your available disposable income
  • Guiding you through the means test
  • Representing you in bankruptcy court

We serve Metropolitan Chicago including Aurora, Elgin, Joliet, Naperville, and Oak Brook. Call or write to request your consultation. 

(630) 537-0737

Attorney Alex Ranjha
Lead attorney Alex Ranjha

5-Star Reviews From Oak Brook, IL


Yazeed Alasheikh

Oak Brook, IL


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I cannot thank the Chicago Bankruptcy Clinic enough. If you need a fresh start, don't hesitate to give them a call!!!

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Joanne Saviano

Oak Brook, IL


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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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There Are Some Potential Drawbacks To Using Chapter 13 Bankruptcy 

Certain debts cannot be discharged in a Chapter 13 bankruptcy. These include child support, student loans, alimony, and criminal fines. Other potential drawbacks of Chapter 13 repayment plans include:
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Credit Report

The Chapter 13 bankruptcy filing remains on your credit report for seven years. This can limit your access to credit for the time being; however, you can take steps to repair your credit rating while you are still in bankruptcy.

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Financial Limitations

While you are in the midst of completing your Chapter 13 bankruptcy payment plan you cannot assume new debt, buy anything on credit, or transfer property without prior approval from the court. 

The potential drawbacks described above rarely outweigh the benefits of pursuing Chapter 13 bankruptcy for eligible debtors. Our attorney and his bankruptcy team will help make sure this option is correct for you before helping you file. 

Should You Use Chapter 7 Instead?

Person in debt filing paperwork

Our Oak Brook, IL, attorney and his team are highly versed in all relevant bankruptcy laws. We will take the time to deeply understand your personal situation before making our bankruptcy recommendation. 

In some cases, Chapter 7 can be a better solution than Chapter 13 bankruptcy. For example, you may want to pursue Chapter 7 if you do not have high-value assets or luxury goods to protect. While you can lose property during Chapter 7, much can be protected with bankruptcy exemptions, and Chapter 7 can get you out of debt faster than Chapter 13 bankruptcy can. 

More 5-Star Reviews From Oak Brook, Illinois


Steve Babiarz

Oak Brook, IL


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He made this easy for me and calmed all my fears

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Damiano Manzella

Oak Brook, IL


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Very respectable and well spoken professionals

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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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