Skip to main content
Robert J Adams Jr.
Avvo
Pro

Robert Adams’s Legal Guides

28 total

  • REBUILDING MY CREDIT AFTER BANKRUPTCY, PART II

    Some suggested steps to take to rebuild your credit after you file a bankruptcy Debt-to-income ratios 1. Upon filing a Chapter 7 your debt-to-income ratio drops dramatically. Budget 2. Create a realis

    Read more 

  • REBUILDING MY CREDIT AFTER BANKRUPTCY, PART I

    If I file bankruptcy can I rebuild my credit? Will I be able to buy a house? CREDIT REPORTS Bankruptcy cases show up on your credit report as a bad mark but it often cleans up other bad marks. Also, i

    Read more 

  • BANK GARNISHMENTS-ILLINOIS – HOW DOES IT WORK; WHAT TO DO

    When a creditor obtains a money judgment against you they have various collection techniques. If they find out that you have a bank account or a credit union account they can proceed with a court orde

    Read more 

  • WAGE GARNISHMENTS IN ILLINOIS

    A wage garnishment is like a blow to your stomach. You get your pay check and $100 or more has been deducted by a creditor. Now, what give? Suddenly you can’t pay your rent or a mortgage or a car paym

    Read more 

  • CAN YOU ELIMINATE AN UNDERWATER SECOND MORTGAGE IN A CHAPTER 7?

    The value of your home is less than the 1st mortgage and you want to eliminate a 2nd mortgage. Can you do this in a Chapter 7? SUPREME Court decision. Sadly the Supreme Court of the United States in a

    Read more 

  • HOME FORECLOSURE IN ILLINOIS

    When you can’t pay your mortgage on time, you start to panic. How much time do I have to get caught up? What happens when a foreclosure is filed? How soon can they sell my house, and what can I do to

    Read more 

  • PAYDAY LOANS

    If you have ever taken out a Payday loan, you probably know they are extremely hard to get rid of. Payday loans have become a huge industry able to charge unbelievable interest rates. Going on the int

    Read more 

  • TITLE LOANS – SAVE MY CAR

    Title Loans are short term extremely high interest loans for people who own their car free and clear on liens HOW DOES IT WORK? A Title Loan is a form of short-term lending where you pledge your car a

    Read more 

  • MARRIAGE, PRE-MARRIAGE PLANNING AND BANKRUPTCY

    I get a lot of questions about Marriage and Bankruptcy. One question is “I have a lot of debt: should I file Bankruptcy now or wait until we get married?” The second question often asked is whether a

    Read more 

  • The Differences Between Chapter 7 and Chapter 13

    Overview Both types of bankruptcy are geared toward individuals rather than companies. Chapter 7 is more streamlined where the court merely evaluates whether you have assets that can be sold to pay yo

    Read more