Chicago-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with 32+ years of combined experience and same-day filing options.
Data compiled from public sources · Google rating shown when a stored review count is available
Get Filed Bankruptcy Attorneys is a Chicago-based law practice focused exclusively on personal and business bankruptcy representation. The firm operates two physical office locations—one downtown (53 W. Jackson Blvd #628) and one on the South Side (10332 S. Western)—and serves the greater Chicagoland area across multiple counties including Cook, DuPage, Will, Lake, Kendall, and Kane.
The firm offers comprehensive bankruptcy legal services centered on Chapter 7 and Chapter 13 filings. They provide free initial consultations via phone or online booking, affordable payment plans, zero-down filings, and same-day filing availability at an additional cost. They claim to have represented over 5,000+ clients in bankruptcy cases and emphasize multiple communication channels including text, phone, email, fax, and in-person appointments.
Get Filed distinguishes itself through stated emphasis on compassionate representation, detailed knowledge of local judges and trustee positions, organized case management, and fast response times. They position themselves as focused on eliminating financial stress through stopping creditor harassment, preventing wage garnishments, avoiding foreclosure, and addressing payday loan obligations. The firm maintains licenses across multiple federal district courts (Northern District of Illinois, Northern and Central Districts of California, Central District of Illinois) and memberships in the Illinois State Bar Association, National Association of Consumer Bankruptcy Attorneys, State Bar of California, and Association of Trial Lawyers of America.
The website emphasizes accessibility and patient communication, stating they will work to explain bankruptcy options in understandable terms. However, the site contains significant grammatical errors and the content is repetitive, with multiple identical CTAs for scheduling. Marketing claims like "32+ years combined experience" are not attributed to specific attorneys, and no individual attorney credentials, specific case results, or verified client testimonials are provided.
Consumers considering bankruptcy should also explore alternatives. Debt relief programs may negotiate settlements for less than owed, while debt consolidation loans can simplify payments. Credit counseling agencies offer free financial assessments. After bankruptcy, rebuilding credit through secured credit cards and credit builder loans provides a structured path back. Credit repair services can help ensure accurate reporting. After discharge, qualifying for an installment loan can begin rebuilding payment history on your credit report.
This is state-level context for Bankruptcy Services consumers in Chicago, IL. It does not confirm that Get Filed or this specific location is licensed.
State regulator
Illinois Department of Financial and Professional Regulation
Consumer protection
Relevant law: Illinois Credit Services Organization Act (815 ILCS 605/1 et seq.)
Registration: Required with Illinois Department of Financial and Professional Regulation (IDFPR)
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Get Filed offers 12 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Free initial phone consultations, Free online consultation scheduling, Same-day bankruptcy filing (additional cost), and 7 more.
Get Filed has profile signals associated with Chicago-area residents facing overwhelming unsecured debt seeking Chapter 7 liquidation, Business owners or self-employed individuals in Illinois counties needing Chapter 13 reorganization plans, Consumers experiencing active wage garnishment, foreclosure, or creditor harassment in the Chicagoland region, Low-income filers seeking free consultations and zero-down or affordable payment filing options.
Key strengths: Over 32 years of combined bankruptcy knowledge and experience across the firm; Represented 5,000+ clients in Chapter 7 and Chapter 13 cases in Chicagoland area; Free initial consultations via phone or online booking. Areas to consider: Website contains numerous grammatical errors and is poorly edited, raising professionalism concerns; No individual attorney bios, credentials, specializations, or verified case results provided.
In the Bankruptcy Services category, comparable providers include Bankruptcy Law Center, Law Office of Mark S. Zuckerberg, The Law Office of David C. Meltzer, PLLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Get Filed is profile signals for Chicago-area residents seeking affordable, accessible Chapter 7 or Chapter 13 bankruptcy representation with flexible payment options and same-day filing capability. The main caveat is the unprofessional website presentation and lack of verifiable attorney credentials, client reviews, or listed fee information—consumers should request detailed credentials and references during the free consultation before committing to representation.
California bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with offices in San Diego, Los Angeles, and Vista. Offers free consultations and debt relief services.
Google rating from 256 reviews
Profile signals: Individuals or families with $50,000+ in unsustainable unsecured debt (credit cards, medical bills, personal loans), Homeowners facing foreclosure who need immediate legal protection and debt restructuring
Indianapolis-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt relief, foreclosure prevention, and credit report disputes with 34+ years of experience.
Google rating from 199 reviews
Profile signals: Indiana residents facing foreclosure who need immediate legal intervention to halt proceedings, Individuals drowning in medical debt, payday loans, or tax garnishments seeking fresh financial start
Jacksonville-based bankruptcy law firm offering Chapter 7 and Chapter 13 filing services, foreclosure defense, and real estate law with nearly a decade of attorney experience.
Google rating from 109 reviews
Profile signals: Florida residents in the Jacksonville area facing Chapter 7 or Chapter 13 bankruptcy filing needs, Homeowners in foreclosure proceedings requiring legal defense and representation
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A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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