Common Questions

Explore the Services Offered by Our Bankruptcy Attorney

At Kenneth S. Borcia & Associates, we offer a variety of helpful legal services throughout the Antioch, Lake County, North Chicago, Round Lake, Waukegan, and Zion, IL areas. Managing debt and filing for bankruptcy may feel overwhelming, but our team can help. Our foreclosure attorneys, debt relief attorneys, and bankruptcy attorneys are here to answer all sorts of common questions regarding our legal services.

Q:  If I file bankruptcy, will I not be able to get credit for 7 years?

A:  You will be eligible to apply for credit immediately after the Bankruptcy is completed. Each creditor will evaluate you based on your income, length of time you have spent on your job, and other factors. Your ability to get credit varies with each individual.

Q:  Will I lose all of my property if I file bankruptcy?

A:  Most people don't lose anything unless they don't want to keep it.

Q:  Can I file bankruptcy if I have a co-signer?

A:  Co-signers can be completely protected under a 100 percent Chapter 13 plan. Even if you file Chapter 7, you can arrange for protection for your co-signer. 

Q:  Is it better to go to a debt consolidation company rather than file bankruptcy?

A:  Debt consolidation companies have no legal right to stop creditors. Remember, they are not attorneys. There have been many documented legal cases against these companies. Throughout the 30 years I have been practicing law, I have only seen one of these outfits prove they were actually trying to help consumers. 

Q:  Is it too late for bankruptcy if a creditor is already garnishing my check?

A:   Bankruptcy immediately stops wage garnishments, repossessions, foreclosures, Sheriff Sales, harassment, or any other actions by creditors. 

Q:  Don't all attorneys offer the same kind of legal services?

A:  All attorneys are not alike. Some have much more experience in an area of law such as Bankruptcy, and some may have the benefit of thousands of cases and years of experience. Kenneth S. Borcia is very proud of the work he does for his clients.

Contact Our Attorney to Start Filing for Chapter 7 Bankruptcy in the Round Lake, IL Region

Whether you're interested in filing for chapter 7 bankruptcy or consolidating your existing debt, we urge you to reach out to our certified bankruptcy attorney. For years, Kenneth S. Borcia & Associates has continued to provide reliable counsel to clients throughout the Zion, IL region. Without the proper form of support, you may feel overwhelmed by this intricate process. Thankfully, our legal professionals will remain by your side every step of the way, ensuring you're able to regain your financial footing in no time at all.


Once you're ready to schedule an upcoming consultation with our team, don't waste another moment. Simply contact one of our knowledgeable representatives to get started. Attorney Kenneth S. Borcia is standing by to answer your questions and help you eliminate your debt.