Bankruptcy is a financial planning tool: Chicago area families deserve a fresh start

Filing bankruptcy will provide debt relief, eliminate bill problems and stop creditor harassment.

Filing bankruptcy will provide debt relief, eliminate bill problems and stop creditor harassment.

The news is often depressing. People can't find jobs. Moms and dads all over Chicagoland are tapping into and depleting their savings just to make mortgage and rent payments. Ring, ring, ring goes the phone with an annoying (and often threatening) bill collector on the other end. "How am I going to tell my kid she can't go on next week's field trip because ComEd is going to shut off the power if we don't pay up," asks any one of many Chicago parents under financial duress.

Suicide. Yes, it's a very scary thought. Have you ever thought of ending it all? How would that solve your family's financial problems? When it looks the most bleak, finding the light through the trees can be really difficult. I have a suggestion: consider filing for bankruptcy protection. It doesn't mean you're a failure. It means, in many cases, you've been a victim of the City of Chicago and the State of Illinois who are in dire straits themselves and are preying on their residents, in my opinion.

Don't get suckered by some creditor who tries to talk you into cashing in your 401(k)! They can't touch it, ever.

I have a client I recommend to people who need some encouragement. Joe Wrobel has been practicing law in Illinois since 1973 (whoa, that's two years before I was born!). Wrobel has experience in a wide variety of law relating to legal matters for individuals and families. Wrobel helps clients get out of debt and get a fresh start. He is an active member in several bar associations and the Bankruptcy Panel of Pro Bono Program of the Chicago Volunteer Legal Services. After serving the U.S. Army Reserve 363rd Civil Affairs Unit, Wrobel earned a B.A. in Psychology from Northwestern University and in 1973 he earned a JD from DePaul University Law School.

What do I like about Joe Wrobel? He's a straight shooter and a guy I believe you can trust. I have interviewed him on a few Internet radio shows and he talks about Chapter 7 and 13 bankruptcy protection as financial planning tools. He'll help people customize their bankruptcies so they can keep their home, cars, and maybe that prized baseball card collection and similar items of sentimental value. What matters isn't the bankruptcy, it's what you do afterwards that matters most. You would be surprised how quickly people can borrow money, finance cars and refinance or get into a new home after a bankruptcy discharge.

Why You Need a Lawyer Make the calls and harassment stop so you can keep your pride and your soul in tact! Check out Joseph Wrobel, Ltd on Facebook and start taking notes!

The best part of bankruptcy, in my opinion, is that by order of Federal Law, your creditors cannot harass you while you're in bankruptcy. It seems like the more creditors tell you that you're a deadbeat, the more you start believing it. To Hell with that! You bust your tail working hard and should live a good life and send your kid on that field trip or buy them the cool new shoes the other kids are wearing. For them, it's all the little things that matter more than mom and dads' bigger financial worries.

Take a few minutes to click/tap here and visit the Joseph Wrobel, Ltd., website to learn more about all your options. There are several short videos you can watch as Joe explains what you should know about bankruptcy so you can make an educated decision in the peace and safety of your home or work. Again, as I said before, I trust Joe Wrobel and wouldn't recommend him if I thought he'd do anything other than treat you as well as he would my family.

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