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What You Should Know About Chapter 7 Bankruptcy

If your debt is greater than your current income and you appear headed into further debt, declaring bankruptcy is an option you should consider. Chapter 7 can help clear away several unsecure debts, which can bring your finances back on track. While it can have a negative effect on your creditworthiness, filing can be a feasible option if your home is facing foreclosure. Who is Eligible for Chapter 7 Bankruptcy? In order to quality for this bankruptcy you: Need to complete a credit counselling course from an approved agency at least 180 days...

DUI Penalties and Laws That You Should Be Aware Of

You are heading home after a night spent partying with friends and are reasonably drunk and are found behind the wheel by law enforcement, you can expect a hefty fine and even jail time for driving while intoxicated (DUI) However, very few people actually know the repercussions of driving under the influence in Illinois. DUI in Illinois According to Illinois law, the following are ways a person can be considered driving under the influence: Driving with a blood alcohol content (BAC) of 0.8 or higher Driving while you are under the influence of...

Frequently Asked Questions about Illinois Divorce Laws

In Illinois, divorce is referred to as Dissolution of Marriage and the decision should not be taken lightly. Here are some frequently asked questions and their answers about divorce laws in Illinois you should be aware of: Q. Does Illinois Have A Residency Requirement? A. Yes, it does. You can only file for divorce in Illinois if you have lived in the state for the past 90 days. This includes members of the armed forces. Also, if you want the court to get involved when it comes to child custody and visitation rights, you need to make certain yo...

Your Basic Guide to Purchasing Real Estate in Illinois

The process of buying a home in Illinois has become increasingly complex over the years. While retaining a skilled real estate attorney from the start is a good idea, you should also familiarize yourself with the steps of the buying and selling procedure. Here are some things you need to know. The Residential Purchase and Sale Agreement Defines Parameters The Illinois Residential Purchase And Sale Agreement is a binding contract, which binds a seller and buyer into a legal agreement. It allows both to negotiate terms of the agreement with aid f...

Warning Signs That Should Make You Consider Filing For Bankruptcy

You may find yourself without a job and are now overwhelmed with debt you have no hope of paying off. If this sounds like a situation you have gotten yourself into, you might consider filing for bankruptcy. Before you reel back in shock, consider the fact that this may be the best financial decision you can make. If you still think you are financially sound, ask yourself these questions: Do you spend more time on the phone with debt collectors than your family? Do you only make minimum payments on your credit cards? Do you use your credit card...

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