When Debt Becomes Overwhelming, You Deserve a Fresh Start
Financial stress doesn’t always come from reckless spending. Medical emergencies, job loss, divorce, or unexpected life changes can push even the most responsible people into debt they can’t manage. If you’re feeling overwhelmed, ashamed, or unsure what to do next—you’re not alone.
At William Hellyer Ltd Attorneys At Law, we help individuals and families in Crystal Lake, Algonquin, and surrounding communities regain control of their finances. With over 40 years of legal experience, we guide you through your options—including Chapter 7 and Chapter 13 bankruptcy—and help you choose the path that leads to a stable, debt-free future.
This isn’t the end of your story. It’s the beginning of a new chapter.
Bankruptcy Is Not Failure—It’s a Legal Tool for Relief
Bankruptcy exists to give people a way out. It’s not about losing everything—it’s about protecting what matters most and creating room to breathe again.
Whether you’re drowning in credit card bills, medical debt, or missed mortgage payments, filing for bankruptcy may be the most strategic and responsible decision you can make.
Our role is to help you understand your rights, evaluate your eligibility, and guide you through the process with compassion and professionalism.
Which Bankruptcy Option Is Right for You?
There are two main types of consumer bankruptcy—and we help with both:
Chapter 7 Bankruptcy—"Liquidation" or "Straight" Bankruptcy
Chapter 7 is ideal for people with high unsecured debt (like credit cards or medical bills) and limited income or assets.
What It Can Do:
- Eliminate most unsecured debts completely
- Stop creditor harassment and wage garnishment
- Offer a fast resolution—often within 3 to 6 months
You may be able to keep your home, car, and personal property depending on your situation. We help determine whether you qualify for Chapter 7 using the state’s “means test” and guide you through each step of the filing process.
Chapter 13 Bankruptcy – “Wage Earner’s Plan”
Chapter 13 is designed for people who have a steady income and want to catch up on debts over time—without losing their home or car.
Key benefits:
- Consolidates debt into one monthly payment
- Stops foreclosure and repossession
- Allows you to pay what you can afford over 3 to 5 years
- Protects co-signers in many cases
This option is often best for those who don’t qualify for Chapter 7 or want to protect valuable assets. We build a customized repayment plan and advocate for approval from the court.
Other Debt Relief Options We Explore
Bankruptcy is not the only solution—and it’s not right for everyone. We also advise on:
Debt settlement and negotiation with creditors
Defending against collection lawsuits
Stopping creditor harassment under the Fair Debt Collection Practices Act (FDCPA)
Avoiding wage garnishment and bank levies
Our goal isn’t to push you into bankruptcy—it’s to find the best strategy for your financial recovery.
You Don’t Have to Face This Alone
Debt can be isolating. It affects your sleep, your relationships, and your sense of security. But the truth is, you have more options than you think—and we’re here to help you find them.
When You Work With Our Firm, You’ll Get:
A confidential, judgment-free consultation
A clear explanation of your options—with pros and cons
Hands-on guidance throughout the filing process
Respect, compassion, and honest communication
Local experience with McHenry County and Kane County courts
You’ve already been carrying the weight of debt for too long. Let us help lift the legal side so you can start rebuilding.
Serving Clients Across Crystal Lake, Algonquin, and Beyond
Our bankruptcy services are available to clients across:
Crystal Lake
Algonquin
McHenry
Huntley
Woodstock
Lake in the Hills
Cary
Fox River Grove
We know the local trustees, judges, and procedures—which means fewer surprises, faster resolutions, and better outcomes.
Ready for a Fresh Financial Start? Let’s Talk.
We understand that reaching out for help is a big step—and we’re honored to be the ones you trust. Whether you’re just starting to explore bankruptcy or you’re ready to file, we’ll meet you where you are and walk with you through every step.
📞 Call William Hellyer Ltd., Attorneys at Law, today at (815) 459-1700.
📍 Based in
Crystal Lake, IL, proudly serving
Algonquin, IL, and surrounding communities.
