Bankruptcy helps consumers and businesses get rid of their debts and repay their creditors. There are usually two types of bankruptcy options: liquidation or reorganization.  Any debt remaining after either option can be discharged, if it is eligible. Liquidation has the debtor give up non-exempt property to be sold, with all of the profit going to the creditors.  Exempt property remains in the hands of the debtor. Reorganization allows the person in debt to keep possession of his/her property as long as they accept an installment plan to partially pay back creditors the amount owed.

JEP lawyers working on Bankruptcy provide services that may include:

Chapter 7 and Chapter 13 proceedings which are the most common for individuals.

  • Chapter 7 bankruptcies normally fall in the liquidation category. This means that if you choose this option and own non-exempt property, it could be taken and sold in the process of liquidation in order to pay back your debts.  However, many debtors do not have enough property to require a liquidation, and are granted a discharge of their debts.
  • Chapter 13 bankruptcies generally fall under the reorganization category, meaning that you will probably be able to keep your property, but you must submit and stick to a plan that will allow you to repay some or all of your debts within 36 to 60 months (3 to 5 years).
  • Mariusz Zatorski

    Zatorski Law LLC

    Serves in Cook, DuPage, and Will Counties

    Mariusz K. Zatorski (”MKZ”) focuses his practice on the areas of family, real estate and bankruptcy law.  He has been practicing law since 2011 and helps clients with complex legal challenges, but also offers limited scope representation, if it is in the client’s best interest.  Mariusz (MA-ryoos) joined the Justice Entrepreneurs Project and founded Zatorski Law LLC with the goal of providing access to justice for those who might not otherwise afford it.  This is why his law firm is committed to FIXED FEES, PREDICTABLE PRICING, AFFORDABLE and TRANSPARENT representation.  Mariusz does not believe in billable hours or cookie-cutter solutions to people’s legal problems.  He tailors his approach to clients’ particular situation and pursues their goals with creativity and determination.  Mariusz was born in Poland and speaks Polish fluently, but spent most of his life in Northwest Indiana and the Chicagoland area.  Mariusz earned his B.A. from Indiana University, M.A. from the University of Chicago, and J.D. from Valparaiso University School of Law.  In his spare time, Mariusz likes to read, travel and play with his Basset Hound Etta.

    Mariusz can be reached at 312-858-5005 or This firm charges a consultation fee ranging from $100 to $200 depending on the type of case.

  • Tina Tran

    Needle & Thread Law LLC

    Serves in Cook, DuPage, Kane, Lake, and Will Counties

    Tina (“Ty”) Tran is a debt relief attorney, concentrating primarily on Ch. 7 and Ch. 13 Consumer Bankruptcy. She aspires to create an affirming and welcoming environment for people of all cultures and backgrounds, regardless of their gender, race, or sexual orientation. She believes in keeping the law simple and making it accessible for everyday people facing creditor lawsuits, wage garnishments, bank account freezes, foreclosures, and repossessions. Tina has a myriad of experience defending debtors trying to get back on their feet against debt collectors and their aggressive tactics. Start rebuilding your life today, stitch by stitch. Contact Needle & Thread Law for a future free from debt. When out of court and not at the office, Tina spends her time advocating for the equality and rights of all people. Debt relief attorney, and social justice advocate.

    Tina Tran can be reached by telephone at (773) 609-3637 or by e-mail at This firm does not charge a consultation fee.

  • Jason Shimotake

    The Shimotake Law Firm, LLC

    Serves in Cook, DuPage, Kane, Lake, McHenry, and Will Counties

    Jason Shimotake is an experienced attorney dedicated to helping people get out of debt. He honed his skills on the Southside of Chicago – in neighborhoods like Chatham, Roseland and South Shore – filing Chapter 7 bankruptcy and Chapter 13 bankruptcy. Jason’s tenure in debt and financial counseling spanned the collapse of the housing market and an economic recession. He heard the stories of strong and resilient people who suddenly lost their jobs. The mother and father of three beautiful girls, on the verge of losing their home to foreclosure. The single mother piecing together rent and daycare expenses with two part-time jobs. Hard-working people who found themselves with nowhere to turn to. Those stories changed Jason’s life. These stories are what push him to to do more. He has counseled thousands of clients through difficult financial times. Jason’s mission is to see what he can do to make sure that you are safe. He’s here to help.

    Jason can be reached at (312) 620-6499 or This firm does not charge a consultation fee for standard 30 minute consultations. The firm charges $150 for a one-hour consultation that includes document review and a written memo.