We Are Open! A & L, Licker Law Firm, LLC is keeping our clients and staff safe from COVID-19. We are open for free phone and video consults during these difficult times.

Our 3 Step Process

Step 1:
Get Out Of Debt

Step 2:
Clean Up Your Credit

Step 3:
Build Your Score

LIBRARY

Why file a bankruptcy if I am not eligible for a discharge?

Why file a bankruptcy if I am not eligible for a discharge? There are time limits between bankruptcy filings as to when you are eligible to receive a discharge. These time limits depend on which chapter of bankruptcy you previously filed and which chapter of bankruptcy you are attempting to file now. The time limits […]
read more

Mortgage Foreclosure: The In’s and Out’s of Standing to Sue

Mortgage Foreclosure: The In’s and Out’s of Standing to Sue Lack of Standing as an Affirmative Defense: Under Illinois law it has been held that a plaintiff is not required to allege facts supporting standing; rather it is the burden of the defendant to prove lack of standing. Therefore, a lender can sue a borrower […]
read more

Who is the typical composite of a Consumer Debtor?

Who is the typical composite of a Consumer Debtor? Leslie Linfield, of the Institute for Financial Literacy, collected date and demographics to answer the simple yet unanswered question of who the “normal” Debtor is. By looking at demographics of people completing credit counseling and financial management courses, she was able to come up with data […]
read more

Domestic Support Obligations and Bankruptcy

Domestic Support Obligations and Bankruptcy Domestic Support Obligations, known as DSO, are typically not dischargeable. Domestic support obligations are defined in the Bankruptcy Code as covering debts to a spouse, former spouse or child of the debtor and not that is incurred from a divorce or separation or in connection with a separation agreement, divorce […]
read more

Recent Court Decisions in Bankruptcy

Recent Court Decisions in Bankruptcy Bankruptcy is an ever changing area of law. Day to day cases are being heard. Some case are then appealed and taken up to higher courts where there becomes case law on certain issues. Below are a few areas cases that have come up recently as summarized by Best Case. […]
read more

Liens in Bankruptcy

Liens in Bankruptcy While an underlying debt may be discharged, a lien survives the bankruptcy unless additional steps of taken to avoid the lien. In some cases, a lien cannot be avoided and therefore the lien remains about the bankruptcy is discharged. A common example of a lien that cannot be avoided through the bankruptcy […]
read more

The Pros and Cons of filing Bankruptcy

The Pros and Cons of filing Bankruptcy Bankruptcy is something that is not the best decision for everyone; depending on your debt, your income, assets, etc. There are many pros and cons to bankruptcy, most of which are not the same for every person. Since no two people have the exact same situation, this article […]
read more

Considering filing bankruptcy? Things to know…

Considering filing bankruptcy? Things to know… If you are considering filing bankruptcy there is some general information that you should consider and make yourself aware of: What is a bankruptcy What types of bankruptcy are there Eligibility for bankruptcy Debts that are not discharged in bankruptcy What is bankruptcy? Bankruptcy can do several things for […]
read more