Torch Legal
820 E. Terra Cotta Ave., Suite 207
Crystal Lake, IL 60014

(815) 477-1700

Let's discuss your needs

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Do you need relief and a fresh start? Do you need to stop collection lawsuits or wage garnishments?

Torch Legal is a Debt Relief Agency. We help people file for bankruptcy under the Bankruptcy Code. We may be able to get you out of debt.

What is a Chapter 7 Bankruptcy?

Chapter 7 eliminates the obligation to pay “unsecured” debts; debts such as credit cards and medical bills. Not all types of debt are eliminated; child support, student loans, taxes, and unpaid fines are not dischargeable in bankruptcy. Chapter 7 also eliminates your personal liability for mortgage debt (although a mortgage lien may still be foreclosed against the property.)

What is a Chapter 13 Bankruptcy?

Chapter 13 is available to people with above-average household incomes, or who own valuable property, or who recently completed a Chapter 7 bankruptcy. Chapter 13 requires a monthly payment plan, with payments based on your income and budget.

Torch Legal:

  • Will investigate your financial affairs and explain your options;
  • Meet with you, address your concerns, and answer your questions.
  • Prepare and file your bankruptcy petition, schedules, and related documentation;
  • Represent you at a required meeting with your court-appointed bankruptcy trustee.
  • Provide your trustee with all required documentation.

We understand bankruptcy and our goal is to get you out of debt!

Serving McHenry County, Lake County, Kane County, and Northwest Suburban Cook County, Illinois.