Linda Bal & Associates


Bankruptcy can eliminate most kinds of unsecured debt, including credit cards, medical bills, payday loans, judgments, overdue utility bills, bank charges and deficiencies on repossessed cars. In some cases even tax debts or secured debts such as a second mortgage can be eliminated.

With that said, the only question is, “Why wait?”

At the law office of Linda Bal & Associates, we have been helping people and small businesses in DuPage County and the Chicago area to successfully navigate the bankruptcy process, stop foreclosure proceedings, end creditor harassment and get fresh financial starts for more than 20 years. Today, we’re here for you, ready to take the fear and uncertainty out of bankruptcy with clear information, honest answers and quality legal services you can depend on.

While the experience we have gives our clients confidence and peace of mind, it is the personable, helpful and non-judgmental service we provide that wins clients over. If you take advantage of our free consultation offer, you will walk away from that meeting with an accurate picture of your financial situation, your debt relief options, how our law firm can help you, and you won’t be under any obligation to do anything else.

Chapter 7 Bankruptcy

If you’re plagued by debt, filing Chapter 7 bankruptcy may be the most effective way to protect yourself from creditor harassment and get a fresh start. While most consumers opt for Chapter 7, this type of bankruptcy isn’t the right solution for everyone. In fact, it isn’t even an option if you have received a bankruptcy discharge in an earlier case filed within the past eight years. We can help you determine whether Chapter 7 makes sense for you and provide the legal help you need to make the most of that opportunity.

Our flat fee of $795 plus court costs for most Chapter 7 cases and the free consultation we offer reflects our understanding of your current financial situation.

Chapter 13 Bankruptcy

If you are working and are either not eligible to file a Chapter 7 or Chapter 7 isn’t a good option for you for other reasons, a Chapter 13 bankruptcy filing will allow you to discharge all of your debts with a three- to five-year repayment plan. This plan will stop foreclosure, repossessions and wage garnishments. In some cases, it is even possible to eliminate a second mortgage.

We offer a no money down program in Chapter 13 cases for qualified wage earners. How does it work? Simple. Our legal fees are factored into the repayment plan, and we receive payments from the trustee as part of that plan.

Foreclosure Defense

You’re struggling with your mortgage payments. Over the years we have found many of our clients had defective mortgages. Is your mortgage payment over 50% of your gross monthly income? Did you purchase your home recently and it is valued at much less than you paid for it? Did you purchase new construction and the builder’s lender handled your mortgage? Our experienced attorneys can take legal action against the mortgage brokers, banks and appraisers that caused your situation. We have found lenders will refinance your home with significantly lower payments rather than defend themselves in the lawsuit filed on your behalf.

Contact Linda Bal & Associates in Naperville, Illinois

There’s no better time to call the law offices of Linda Bal & Associates than right now.

To schedule a free initial consultation at our law firm’s Naperville office, located at 1200 East Ogden Avenue, please complete a brief e-mail contact form or call 630-285-0255. Day, evening and weekend appointments are also available at our law firm offices in Chicago, Itasca and Huntley.

The law firm of Linda Bal & Associates is a debt relief agency committed to helping clients in DuPage County, Cook County, Will County, Kane County, McHenry County, Kendall County, Lake County and other parts of Illinois file for bankruptcy relief under the provisions of the U.S. Bankruptcy Code.

Offers Free Initial Consultation

Contact Us

1220 E. Ogden Ave.
Suite 205D
Naperville, IL 60563

Other Offices
Linda Bal & Associates
275 Stonegate Road
Suite J
Algonquin, Illinois 60102

Linda Bal & Associates
707B Davis Road
Suite 205
Elgin, Illinois 60123

Linda Bal & Associates
5600 N. River Road
Suite 800
Rosemont, Illinois 60018

Linda Bal & Associates (Main Office)
207 N. Walnut Street
Suite A
Itasca, Illinois 60143- 1714




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