If you are deep in debt, you may feel like you cannot afford help. But meeting with a lawyer, even just once, can make a big difference.

How having a lawyer can help

Bankruptcy is a big step, and it can affect your life for years.  There are mainly two types of bankruptcy for most people: Chapter 7 (which sells your extra assets to pay debts) and Chapter 13 (which lets you pay some of your debts back over time).

A lawyer can help you decide what kind of bankruptcy to file and explain what you might lose or keep, like your car, your house, or your tax refund.

You file for bankruptcy in federal court. The process can be confusing and small mistakes could cause your case to be delayed and dismissed.  A lawyer can help you navigate the process. That can actually save you money over time—and a lot of stress.

What if you can’t afford one?

There are ways to get free or low-cost legal help. Some lawyers offer free first meetings or payment plans.

You may also qualify for legal aid if your income is low. ILAO offers a free tool called Get Legal Help that connects you with legal aid organizations across Illinois. By answering a few questions about your situation, you can find out if you qualify for free legal help.

You’re not alone

If you are struggling, remember that many people are in the same situation. You do not have to face it alone. Getting some legal help can make a big difference.