In this episode of Bankruptcy Q&A with Attorney Joseph Wrobel, we focus on the legal and financial issues that come up when people face lawsuits, wage garnishment, and questions about being judgment-proof.

Attorney Joseph Wrobel answers real questions from people dealing with credit card lawsuits, medical debt, repossessions, co-signing mistakes, and even massive student loans. Topics include:

• Can you be arrested for missing a court date on a credit card lawsuit?
• What to do when you receive a wage garnishment notice.
• The risks of signing an agreed judgment in a debt settlement.
• What happens if a debt collector never serves you.
• What it really means to be judgment-proof and how that protects you.
• How vehicles and co-signing affect bankruptcy and future credit.
• The reality of medical debts and partial payments.
• What happens to old debts that have fallen off your credit report.
• Whether student loans can be discharged in bankruptcy under the Department of Justice program.

Joseph Wrobel explains these issues in plain language so you can understand your rights and options. If you or someone you know is struggling with debt collection, lawsuits, or overwhelming obligations, this discussion is designed to give you clarity and practical direction. For more information, visit www.ChicagoBankruptcy.com.

In this episode of the Bankruptcy Q&A podcast, Chicago bankruptcy attorney Joseph Wrobel answers timely questions from real people facing serious financial concerns.

Whether you're worried about wage garnishment, credit card lawsuits, or protecting assets, Joseph brings over 40 years of legal experience to help you understand your rights and options.

Today’s topics include:

• Whether an old debt from 2011 can still be garnished
  
  
• Options when Discover Bank issues a wage garnishment
  
  
• How to handle property surrendered in bankruptcy when the bank hasn’t foreclosed
  
  
• What to do when an authorized user is affected by a deceased spouse’s credit card debt
  
  
• Whether to attend court for a charged-off credit card
  
  
• Filing bankruptcy before a lawsuit is filed
  
  
• Whether bankruptcy can stop an eviction
  
  
• What to do when a bankruptcy lawyer says they filed, but the court has no record
  
  
• Handling lawsuits against seniors with dementia
  
  
• Whether a boyfriend’s income affects bankruptcy filing
  
  

If you’re dealing with overwhelming debt or just need real talk from someone who understands, tune in to learn how bankruptcy can help you reset and move forward.

In this episode of the Joseph Wrobel, Ltd. Bankruptcy Podcast, Chicago bankruptcy attorney Joseph Wrobel answers common and pressing bankruptcy questions that real people are asking in 2025.

From dealing with second mortgages after Chapter 7 to handling debt lawsuits, car repossessions, judgments, and more, Joseph gives clear, real-world guidance to help people understand their options and make informed decisions.

Topics Covered:

• Can you remove a second mortgage lien after Chapter 7?
• What happens if a debtor rescinds a reaffirmation agreement?
• How to settle small lawsuits over defaulted loans without a lawyer
• Being sued for personal loans—when to settle vs. when to consider bankruptcy
• Protecting your home and car after repossession in retirement
• What to do if you overstated your income on credit card applications
• Can creditors seize your bank account or Social Security?
• What to do if you're being sued by debt collectors like Discover or Portfolio Recovery
• Whether you can cancel a home loan if you're in over your head

For more info or to schedule a consultation, visit www.ChicagoBankruptcy.com

Welcome to our final episode of 2024, on the Joseph Wrobel, Limited Chicago Bankruptcy Podcast. Learn More: http://chicagobankruptcy.com/ (312) 781-0996.

In this and every Bankruptcy FAQ podcast, Chicago Bankruptcy Attorney Joseph Wrobel answers real questions with real answers and tips on approaching bankruptcy. 

Here are a few of the questions on today's podcast: 

1. What happens when you fall behind on Chapter 13 plan payments? 
2. If I have a joint car loan and I file bankruptcy, will it affect the other person's credit or show up on their credit? 
3. What do I do if I was served with papers to appear in court on a debt, what are my options? 
4. I forgot to list an asset in my bankruptcy petition, a car that my daughter paid for but put in my name, what do I do? 
5. What are the eligibility requirements for filing a bankruptcy case? 

The more you understand your rights and options, the better you can determine if a Chapter 7 or a Chapter 13 bankruptcy case will provide the relief and fresh start you need. 

Facing overwhelming debt can be challenging, but Chicago bankruptcy attorney Joseph Wrobel answers frequently asked questions on managing complex financial issues and navigating bankruptcy options. In this episode, we discuss cases like high credit card debt, the impact of medical expenses incurred after a Chapter 13 filing, and whether debts related to student expenses or child support can be discharged. We explore what happens when a mortgage falls behind or if your spouse’s old vehicle loan resurfaces as wage garnishment. Attorney Wrobel explains who’s responsible for debts under specific divorce agreements, how Chapter 13 plans can be funded with Social Security and disability benefits, and what property exemptions mean for keeping your home. For those wondering about debt collection emails and protecting their assets, this podcast offers key insights into managing these situations through bankruptcy. With real cases and answers, Attorney Wrobel offers guidance on handling these financial hurdles effectively. Join us for an informative session on bankruptcy law basics, key exemptions, and protections designed to support people at every stage of their financial journey. Need help or information about Chapter 7 or 13 bankruptcy options? Contact Joseph Wrobel today!

Welcome to the latest edition of Bankruptcy Questions and Answers for May 2024, where we delve into crucial bankruptcy topics to provide clarity and guidance for individuals navigating financial challenges. Led by Joseph Wrobel, a seasoned Chicago bankruptcy lawyer with a commitment to empowering clients, this session addresses pressing inquiries related to Affirmation Agreements, Repossessed Vehicles, Debts of Deceased Spouse, Spouse or Partner Files for Bankruptcy, Personal Injury Award Money, and Worker's Compensation Benefits. Bankruptcy Questions and Answers for May 2024:  Affirmation Agreements Repossessed Vehicles Debts of Deceased Spouse Spouse or Partner Files Bankruptcy Personal Injury Award Money Worker's Compensation Benefits

Welcome to the latest installment of the Chicago Bankruptcy Podcast! Join host Nick Augustine and esteemed Chicago Bankruptcy Attorney Joseph Wrobel as they delve into the intricacies of bankruptcy law, addressing pressing questions sent in by our listeners.  Check Out the Full Podcast Summary on Our Website! In this enlightening episode, we explore a range of topics designed to provide clarity and relief to those navigating financial challenges. Discover what it means to be judgment-proof and how it can impact your interactions with creditors. Learn about the fate of vehicle loans not included in Chapter 13 bankruptcy plans and the rights of co-debtors under the automatic stay. But that's not all. We tackle tough questions surrounding post-divorce debt responsibility, the consequences of vehicle repossession after bankruptcy, and the protection of retirement savings, including your 401(k), in bankruptcy proceedings. Plus, we address the often-confusing scenario of joint car loans when couples separate, offering practical guidance for a smoother financial transition. Whether you're contemplating bankruptcy or simply seeking clarity on complex legal matters, this podcast is your go-to resource. Gain valuable insights, find reassurance, and empower yourself with the knowledge needed to make informed decisions about your financial future. For expert advice and personalized assistance, reach out to Joseph Wrobel, Limited, and take the first step towards financial freedom. Don't miss out on this insightful episode – tune in now!

Being Thankful for Bankruptcy; Embracing Your Right to a Fresh Start Discover why being thankful for bankruptcy isn't as far-fetched as it seems. Dive into insightful discussions uncovering the actual value of bankruptcy laws in the USA and how they can be a beacon of hope for individuals and businesses alike. Explore the empowering aspects of Chapter 7 and Chapter 13 options, understanding how they offer accessible paths to discharge debts or manage financial obligations effectively. Learn how bankruptcy isn't just about financial relief—it's about reclaiming control of your life, achieving better sleep, improved productivity, and fostering stronger family bonds. Gain a fresh perspective on starting anew and contributing positively to your community after overcoming financial challenges. When navigating the complexities of bankruptcy in Chicago, Joseph Wrobel is a seasoned legal expert ready to guide you toward a renewed financial beginning. With years of dedicated experience in bankruptcy law, Joseph Wrobel understands the intricacies of the process and is committed to assisting individuals in reclaiming control over their finances. His compassionate approach and extensive knowledge ensure personalized solutions tailored to your unique situation. Whether seeking relief through Chapter 7 or restructuring debts with a Chapter 13 plan, Joseph Wrobel is your advocate, providing steadfast support and a clear path toward a brighter financial future in the bustling city of Chicago.

In this podcast, Chicago bankruptcy attorney Joseph Wrobel guides entrepreneurs and business owners through the intricate bankruptcy world, specifically chapters 7, 11, and 13. Join us as we explore the financial strategies, legal insights, and success stories that can help your business navigate the complexities of bankruptcy. Whether you're looking for debt relief, considering restructuring, or simply seeking financial education, our podcast is your trusted resource for all things related to business and bankruptcy. Tune in to gain the knowledge and confidence to make informed decisions and rebuild your financial future. Navigating Business and Bankruptcy in Chicago: Your Comprehensive Guide Welcome to our podcast, "Navigating Business and Bankruptcy in Chicago," where we provide insights and advice on making informed decisions regarding bankruptcy and business ownership in the Windy City. This article will delve into the complexities of business bankruptcy in Chicago, focusing on your three main options under the Bankruptcy Code.

Answers to Common Bankruptcy Questions in January 2023 Chicago bankruptcy and consumer credit attorney Joseph Wrobel answers real frequently asked questions about bankruptcy! Answers to Real People’s Questions in this 30-Minute Show: How does a lawsuit become a judgment and how do collections proceedings work?Can I discharge my income tax debt in a Chapter 7 Bankruptcy?I need to file for bankruptcy but also need to buy a car first, will that be a problem?How do I start getting my credit score back up after bankruptcy?What is the time frame and process I can expect in a common bankruptcy case? Joseph Wrobel has been a practicing attorney since 1973 and has experience in a wide variety of laws relating to legal matters for individuals and families. Wrobel helps clients get out of debt and get a fresh start. He is an active member of several bar associations and the Bankruptcy Panel of the Pro Bono Program of the Chicago Volunteer Legal Services. After serving in the U.S. Army Reserve 363rd Civil Affairs Unit, Wrobel earned a B.A. in Psychology from Northwestern University, and in 1973, he earned a JD from DePaul University Law School. Follow Joseph Wrobel, Ltd. on Facebook, Twitter, LinkedIn, YouTube, and Avvo, to read client reviews! www.ChicagoBankruptcy.com (312) 781-0996. Produced by Lone Star Content Marketing.