Chicago Zero Down Chapter 7 Bankruptcy Lawyer

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See How You Can File Chapter 7 Bankruptcy in Chicago Now and Pay Later

If you’re ready to stop a wage garnishment, bank levy, or avoid the repossession of your car, then you need to file for Chapter 7 bankruptcy. Thomas Legacy Law Firm LLC makes this an affordable option with our $0 down Chapter 7 bankruptcy filing service.

To become eligible for zero down service, here are a few items you need;

  • Employed – full or part time

  • Make at least $25,000 annual gross income

  • Passed the MEANS test

Chicago Chapter 7 Bankruptcy Attorney Yolanda Thomas is here to help.

Zero Down Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is quite useful: Chicago residents file for Chapter 7 Bankruptcy more often than any other type of bankruptcy. When you successfully file for Chapter 7 Bankruptcy in Chicago, you can get a fresh start and start focusing on your future virtually debt-free. Our clients decided to use Thomas Legacy Law Firm LLC to represent them in the Chapter 7 Bankruptcy because of our knowledge of the U.S. Bankruptcy Code and we help them keep their car, house, and other assets from being sold by the Chapter 7 Trustee assigned to their bankruptcy case. Chapter 7 Bankruptcy is a legitimate way for you to take charge of your finances and start fresh.

Paying For Chapter 7 Bankruptcy

One of the biggest hurdles preventing Chicago residents from filing for Chapter 7 Bankruptcy is the upfront attorney’s fees. Most law firms in Chicago will charge a fee to begin the Chapter 7 Bankruptcy filing process. Of course, attorneys charge upfront fees on many services, but with a Chapter 7 Bankruptcy filing, this fee is more difficult to pay. That is because most Chicagoans who choose to file Chapter 7 Bankruptcy choose to do so because they have been backed into a corner financially: they simply can’t afford additional bills on top of what they already owe. Unfortunately, many Chicagoans deal with this predicament by either attempting to file for bankruptcy themselves or by hiring an unlicensed bankruptcy “preparer.” Both of these “solutions” reduce the chances of a successful Chapter 7 bankruptcy filing.

But here is a better way: ZERO DOWN BANKRUPTCY. This option allows you to file for Chapter 7 Bankruptcy without being hit by huge upfront fees.


How Does Zero Down Bankruptcy Work?

Zero Down Bankruptcy can be filed with no upfront payment. Better still, Zero Down Bankruptcy can be filed without interest payments as well. With Zero Down Bankruptcy, you set up a monthly payment plan, with payments beginning 30 days after you have filed. These payments will even be applied to your court fees. There are several distinct advantages to setting up a payment plan:

  • You can begin the filing process immediately, without having to pay attorney’s fees first.

  • Since you have successfully filed for Chapter 7 Bankruptcy, you will presumably have some available to make your first payment.

  • The installment payments are affordable and easy to manage.

  • Zero Down Bankruptcy provides Illinoisans with a quicker path to financial freedom. Here in Chicago, firms like Thomas Legacy Law Firm provide Zero Down Bankruptcy services for their clients.

The Bankruptcy Means Test

Through the bankruptcy means test, the court looks at 3 things to determine if you are eligible for Chapter 7 Bankruptcy:

  • Your Income

  • Your Expenses

  • Your Family Size

It should be pointed out that the means test is primarily designed for people who have consumer debts (e.g. medical debt, payday loans, personal loans, car repossessions, foreclosures, or credit card debt). It should also be pointed out that, while the test can be confusing and requires a lot of paperwork, your attorney at Thomas Legacy Law Firm will guide you through the process. Regarding your income, the test is used to determine if your income is below the median income in Illinois. If it is, you can generally file for Chapter 7 Bankruptcy in Chicago. Schedule a Free Consultation with Thomas Legacy Law Firm and our lawyers will review your income to determine if you are eligible to file a Chapter 7 Bankruptcy.

But let’s say your income exceeds the median income in Illinois—there is a second portion of the means test that may allow you to file for Chapter 7 Bankruptcy. This portion of the test looks at your expenses. With the help of your Thomas Legacy Law Firm bankruptcy attorney, you will add up all of your living expenses (referred to in bankruptcy court as “allowable expenses”).

Allowable expenses include things like rent, medical expenses, and groceries. Your bankruptcy attorney at Thomas Legacy Law Firm will be able to advise you on which of your expenses are allowable. This is where having an experienced attorney is crucial, as a mistake or misunderstanding on this portion of the means test could result in your case being thrown out. The money you have left after these allowable expenses are totaled is your “disposable income.” If this amount is low enough, you may qualify for Chapter 7 Bankruptcy in Illinois.

Next Steps

If you pass the means test and meet the income and employment requirements, you can pursue Zero Down Bankruptcy. Zero Down Bankruptcy is a great deal, one that provides you with an incredible opportunity–so much so that you might be tempted to think that Zero Down Bankruptcy is “too good to be true.” You can rest assured, however, that this is not the case: as recently as 2019, Clifford J. White III — director of the United States Trustee Program — endorsed Zero Down Bankruptcy.

White commended the process in a recent United States Bankruptcy Court decision approving bifurcation and collection of post-petition fees. In the case in question, a local U.S. Trustee objected to an attorney’s use of bifurcation (the process of separating a case or legal proceeding into discrete parts) to offer $0 down and post-petition payment of the fees and costs associated with the bankruptcy filing. The court, disagreeing, allowed the bifurcation and collection of $2,400 in post-petition costs and fees. This ruling, and White’s validation of it, confirms the legitimacy of Zero Down Bankruptcy in Illinois.


Filing $0 Down Chapter 7 Bankruptcy is a great resource for those who have been overwhelmed with debt a financial break.


When you work with us, you’ll…

Owe no upfront money and no interest payments

Make weekly or monthly payments starting 30 days after filing

Pay no additional court fees-everything is included

Protect yourself from wage or bank garnishments. File for Chapter 7 bankruptcy in Chicago, Illinois or Cook County, Illinois today.

Why Would A Chicago Bankruptcy Attorney Offer Zero Down Bankruptcy?

One question that many Chicagoans have regarding Zero Down Bankruptcy is, “Why would a local attorney even offer such a deal in the first place? Don’t most attorneys prefer to have their money upfront?” The answer to this question is Yes. Most attorneys do prefer to have their money upfront in bankruptcy cases. However, there are several reasons why Chicago law firms like Thomas Legacy Law Firm choose to make exceptions.

Thomas Legacy Law Firm chooses to offer Zero Down Bankruptcy because we care about struggling Chicagoans. We hate to see people miss out on the opportunity to turn their finances around simply because they cannot afford high upfront legal costs.

Compassionate lawyers know that their clients are in financial despair when they seek bankruptcy help; the last thing they want to do is add to their financial burden.

Finding The Right Zero Down Bankruptcy Attorney In Illinois

When it comes to bankruptcy filing in Chicago or Cook County, the stakes are high: continued financial distress versus freedom from a mountain of debt that may never fully be paid off. This is why you should turn to an experienced, reliable attorney for Zero Down Bankruptcy services in Chicago. Ideally, you will want an attorney who has successfully handled Chapter 7 Bankruptcy cases since 2009.

You will also want an attorney that puts their clients first, a lawyer with a client-focused law firm with as much legal knowledge when it comes to bankruptcy cases. You benefit greatly when hiring Thomas Legacy Law Firm because we continually communicate with clients about their Chapter 7 Bankruptcy case utilizing the latest technology. You need to hire an attorney who is good about communicating with you–one who will help you through every step of the bankruptcy process.