Kevin W. Chern Esq.

Kevin W. Chern Esq.

Free Case Evaluation - Legally Get Out of Debt - Chapter 7 Bankruptcy Help
  • Bankruptcy, Consumer Law
  • Illinois
Badges
Claimed Lawyer ProfileQ&AResponsive Law
Practice Areas
  • Bankruptcy
  • Consumer Law
Fees
  • Free Consultation
  • Credit Cards Accepted
    From friends or family members to pay for your legal services.
  • Contingent Fees
    On Consumer Protection Matters. On Bankruptcy matters, fees are competitive and flexible payment plans are offered.
Jurisdictions Admitted to Practice
Illinois
Languages
  • English: Spoken, Written
  • Spanish: Spoken
Professional Experience
President
Total Attorneys
-
Legal Marketing, Technology and Services company providing services to small law firms.
Education
University of Illinois - Urbana-Champaign
J.D. (1993) | Law
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University of Illinois - Urbana-Champaign
B.S. (1990) | Psychology
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Honors: Cum Laude, Phi Beta Kappa
Awards
Fastcase 50
Fastcase
Honoring the law’s smartest, most courageous innovators, techies, visionaries, & leaders. Lawyer or nonlawyer, techie or nontechie, anyone is eligible. Created in 2011, each year the Fastcase 50 award honors a diverse group of lawyers, legal technologists, policymakers, judges, law librarians, bar association executives, and people from all walks of life. In many cases, honorees are well known, but in many others, the award recognizes people who have made important, but unheralded contributions. “Every part of the legal market is changing right now – from law school through every part of the practice,” said Fastcase CEO Ed Walters. “That change can be daunting or discouraging to many people. And that’s one reason that our team enjoys celebrating the accomplishments of the Fastcase 50. These are people who inspire us by their intelligence, creativity, and leadership. We hope they will inspire others as well, especially during a time of great change for the profession.”
Inductee, Chicago Area Entrepreneurship Hall of Fame
University of Illinois, Chicago
For 30 years, we have inducted renowned entrepreneurial leaders into the Chicago Area Entrepreneurship Hall of Fame community, which now numbers nearly 500 individuals. Through the businesses they have built and through their personal engagement, these entrepreneurs have made enduring social and commercial contributions that have helped to foster a thriving, diversified economic engine in Chicago and have enhanced our Chicago communities. We are proud to acknowledge the Chicago Area Entrepreneurship Hall of Fame Members. By highlighting outstanding entrepreneurs, we recognize excellence, honor the entrepreneurial spirit, and provide inspiring role models for aspiring entrepreneurs! We turn to the members of the Entrepreneurship Hall of Fame community to enrich the entrepreneurship experience at UIC. Members have volunteered as speakers, mentors, judges and have sponsored programs and events. Their personal and financial support has been important to advancing our initiatives. By sharing their experiences and lessons learned, they inspire and educate our students, faculty, staff and alumni.
Fastest Growing Private Companies in America
#217 on the Inc. 500 List
Fastest Growing Private Companies in America
#169 on the Inc. 500 List
Professional Associations
National Association of Consumer Bankruptcy Attorneys
Member
- Current
Publications
Articles & Publications
The Behavior Selection Business
National Association of Consumer Bankruptcy Attorneys
Change Is Good - When It's Strategic
American Bar Association
Speaking Engagements
Challenges of Innovation in Legal, Center for Innovation Bootcamp, Chicago, IL
American Bar Association
How To Get Started Innovating, Chicago Legal Tech Innovation Showcase, Chicago, IL
Chicago-Kent College of Law, Illinois Institute of Technology
The Legal Tech Innovator Showcase seeks to promote the law firms, legal service providers, and companies that are using technology to improve legal services in the Chicago area and highlight those whose innovations are exceptional. Five “Best in Show” awards were selected from the judge’s scoring in each of the 2 awards categories: Law Firm/Legal Services and Company/Product/Service. The winners will present a 5 minute product description at the Chicago Kent Auditorium on October 24 and have an opportunity to exhibit during the event.
Legal Answers
76 Questions Answered

Q. If I am behind on rent and file for bankruptcy can I still be evicted?
A: When a bankruptcy case is filed and a landlord has not yet received a judgment for possession, the automatic stay typically stops the proceedings as it does all other collection actions. However, the landlord may ask the bankruptcy court to lift the automatic stay to allow the eviction to proceed. In most cases, filing for bankruptcy will buy a tenant who has not yet been evicted a little time to attempt to catch up, work things out with the landlord or set up a Chapter 13 repayment plan, but will not prevent eviction in the long term. *Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
Q. I am considering filing bankruptcy but have a possible settlement coming in a court case that has been filed in fedl ct
A: Whether or not your settlement is considered an asset in a bankruptcy case does not depend on the date of the settlement. The claim itself is an asset in the bankruptcy case if it exists as of the date of filing, so if a person files bankruptcy with a pre-existing claim, it does not matter how long it takes to settle the case or to receive compensation. The bankruptcy case may be held open pending resolution of that asset. *Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
Q. If I quit paying credit cards & have not even enough money to live on, could they still sue me?
A: Your financial situation won't prevent anyone from suing you, though it may mean that the creditor would be unable to collect at this point. That's not a sure thing, though--it depends on how much income you have and any assets that you might have. A local bankruptcy attorney can go through the numbers with you and explain exactly what is at risk and what your options are. It would be in your best interests to get that information before making any decisions about how to proceed with your credit card debt and any other outstanding debt. *Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
Q. How much does it cost for bankruptcy
A: The filing fee for a Chapter 7 bankruptcy case is $335. Depending on your financial circumstances, you may be allowed to pay this fee in installments or receive a waiver. You will also be required to complete credit counseling before filing. The cost varies depending upon the provider, but is usually $50 or less, and fee waivers are also available in extreme circumstances. Attorney fees will vary by location and the complexity of your case. However, many bankruptcy attorneys offer free consultations. Sitting down with a local lawyer could help you determine whether bankruptcy is the right solution for you. *Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
Q. I just filed chapter 7. My landlords are trying to evict me , and say I must be out within three days. Can they do this?
A: The answer to your question depends on the particulars of your case. In most cases, an automatic stay would have gone into effect upon filing, and would prevent your landlord--for a time--from evicting you based on non-payment of rent. If you filed with an attorney, you should address this question to him or her asap. If you did not use an attorney, check your paperwork for a stay order. A creditor, including a landlord, can be sanctioned for violating the automatic stay. *Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
Q. We are considering bankruptcy but are concerned about our home.
A: Although only one residence is protected by the homestead exemption in bankruptcy (in Louisiana, the one you occupy, up to $35,000 in equity), that doesn't necessarily mean losing one property. One situation in which the secondary property might be retained would be if there were little or no equity in that property. In a situation in which there is equity in both properties, a Chapter 13 bankruptcy filing might offer a solution. Talk with a local bankruptcy attorney who can review the value, outstanding debt and other factors and explain the options available in your particular circumstances. *Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
Q. If I don't know whether I should file or not. Is there a place where I can get free counseling or free help?
A: Before you file for bankruptcy, you must complete credit counseling. The purpose of this requirement is to help you determine whether or not there are other viable options for you. You can find a list of approved agencies here: http://www.justice.gov/ust/list-credit-counseling-agencies-approved-pursuant-11-usc-111 Many offer services for a nominal fee, and in some cases fee waivers are available. In addition, many consumer bankruptcy attorneys offer a free initial consultation. Consider sitting down with a local bankruptcy lawyer to review your situation and get some advice on whether or not bankruptcy might be the right solution for you. *Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
Q. I just bought a new car at the beginning of this year and I am current on my payments, if I file will I lose my car?
A: There are a couple of options for keeping a car with an outstanding lien in Chapter 7 bankruptcy. One is to reaffirm the debt (basically, agree that the debt won't be affected by the bankruptcy and that you'll keep making payments as scheduled). Another is to "redeem" the car by paying the full market value (not the amount of outstanding debt). Your options may be limited by the amount of equity in the vehicle, but Texas has flexible exemptions that may be used to protect the equity in your vehicle. A local bankruptcy attorney can assess your debts and other assets and help you choose the best approach. *Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
Q. What is the Statue of limitations on a judgment, The court I believed said it was a civil matter.
A: Generally, a judgment in Virginia is valid for ten years, and may be renewed for an additional ten year period. That said, it would benefit you to speak with an attorney as soon as possible. Depending upon the specifics of your situation, some or all of the funds seized may be exempt from collection. In addition, a bankruptcy filing sometimes allows recovery of funds garnished. But, either would require quick action. *Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
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