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Robert J Adams
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Robert Adams’s Legal Guides

26 total

  • Separate Fact from the Fiction

    Many Americans find themselves in serious debt. The creditors keep calling, but the debt just keeps growing. But in America, bankruptcy law provides relief and a fresh start to those who are in financial trouble. Bankruptcy is one avenue to achieve financial freedom!

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  • DISCHARGING PERSONAL INCOME TAXES IN BANKRUPTCY

    Contrary to popular belief Personal Income Taxes frequently can be discharged in Bankruptcy, including both Chapter 7 and Chapter 13. Certain qualifications are listed below: SOME BASIC RULES 1. Th

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  • PERSONAL PROPERTY EXEMPTIONS IN ILLINOIS FOR CHAPTER 7 AND CHAPTER 13

    People are always concerned that they can lose their car or furniture when they file a Chapter 7 case. While it is a reasonable concern, the law recognizes that one can keep more than just the shirt o

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  • HOMESTEAD EXEMPTIONS IN ILLINOIS

    When Homeowners are considering filing a Chapter 7 or a Chapter 13 they are naturally concerned about the fate of their home. Will I lose my home? APPLYING THE HOMESTEAD EXEMPTION The homestead

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  • WHO FILES BANKRUPTCY

    The Institute for Financial Literacy using a very large sample found the following through 2010. GENDER Female: 52%; Male 48% ETHNICITY Caucasian/White: almost 72%; African American/Black: 11%; Latin

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  • TRANSFERRING OR SELLING ASSETS BEFORE FILING BANKRUPTCY

    Frequently, individuals ask about giving property away, such as a car, just before filing a Chapter 7. These transfers not only fail to help the bankruptcy process, the transfers might be unnecessary

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  • AUTOMOBILE LOANS AND CHAPTER 7

    When folks are considering filing a Chapter 7 they are always concerned about their car. The common question is “will I lose my car?” It is certainly a reasonable concern. This guide goes over the thr

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  • CREDIT CARDS AND ITS TRAPS

    Most of us have credit cards. It is difficult to avoid them. Banks love them because they get rich off of them. Folks become addicted to them and wind up in a never ending spiral of high and unafforda

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  • AUTOMOBILE REPOSSESSIONS – HOW TO GET YOUR BACK

    You wake up in the morning to get into your car and it is gone. You call the police only to find out it was repossessed. What do you do? Assuming you don’t have all the money to get your car back and

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  • SHOULD I FILE BANKRUPCY?

    Whether you should file a Bankruptcy is always a personal decision. The benefit of an experienced lawyer concentrating on Consumer is to lay out the facts, analyze your problem and lay out the options

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