Boone County Bankruptcy Lawyers

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Dwight Adams
Claimed Lawyer Profile
Dwight Adams
Cook County, IL Bankruptcy Lawyer
(847) 818-8060 1855 Rohlwing Rd.
Suite D
Rolling Meadows, IL 60008
Bankruptcy, Criminal Defense, Foreclosure Defense and Medical Malpractice
Managing partner Dwight C. Adams was first licensed to practice law in 1968. After earning a B.A. in History from Hanover College, Mr. Adams went on to receive his J.D. after graduating summa cum laude from the prestigious Chicago Kent Law School. Since that time, he’s been defending the rights of countless Illinois clients in a variety of criminal and civil cases. Dwight C. Adams is one of a selected group of lawyers who has earned admission to the Federal Bar Association, which entitles him to practice in front of the U.S. Supreme Court. When other firms say that they’ll “fight...
Robert J. Semrad
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Robert J. Semrad
Will County, IL Bankruptcy Attorney with 29 years of experience
(630) 741-7101 1444 N. Farnsworth Avenue
Suite 300
Aurora, IL 60505
Bankruptcy
DePaul College of Law
Garrett H. Nye
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Garrett H. Nye
DuPage County, IL Bankruptcy Attorney with 14 years of experience
(630) 703-7393 PO Box 181
Naperville, IL 60566
Bankruptcy and Business
Emory University School of Law
I received my law degree from the Emory University School of Law, with honors. Before attending law school, I worked in the accounting field, having received my finance degree from Arizona State University.

I began my legal career working for a midsize firm located in Atlanta, Georgia, before returning to the Chicagoland area. Over the course of my career, I have represented both debtors and creditors in a wide range of bankruptcy and insolvency related matters. Having sat on both sides of the table, I bring a unique perspective to both my bankruptcy and litigation clients.

I have filed personal and business...
Thomas C. O'Brien
Claimed Lawyer Profile
Thomas C. O'Brien
Lake County, IL Bankruptcy Attorney with 58 years of experience
(847) 838-1100 950 Main Street
Antioch, IL 60002
Bankruptcy, Divorce, Family and Foreclosure Defense
Washington University School of Law
We are experienced attorneys in bankruptcy and family law. Located just south of the Wisconsin-Illinois state line, I practice daily in both states. In this area, knowledge of the significant differences in the two states' laws is critical to effective and competent representation.
Richard Van Den Bussche
Claimed Lawyer Profile
Richard Van Den Bussche
McHenry County, IL Bankruptcy Attorney with 43 years of experience
(815) 356-5531 455 Coventry Ln, Suite 107
Crystal Lake, IL 60014
Free ConsultationBankruptcy, Criminal Defense, Landlord Tenant and Probate
The John Marshall Law School
Flora C Lynch
Claimed Lawyer Profile
Flora C Lynch
DuPage County, IL Bankruptcy Lawyer
300 E 5th Avenue, Ste. 365
Naperville, IL 60563
Free ConsultationBankruptcy and Estate Planning
Kenneth E. Kaiser
Claimed Lawyer Profile
Kenneth E. Kaiser
Cook County, IL Bankruptcy Attorney with 46 years of experience
(847) 991-6675 502 N Plum Grove Rd
Ste D
Palatine, IL 60067
Bankruptcy, Business, Divorce and Foreclosure Defense
The John Marshall Law School
Wendy R. Morgan
Claimed Lawyer Profile
Wendy R. Morgan
Cook County, IL Bankruptcy Lawyer
(847) 259-5700 1845 E Rand Rd
Arlington Heights, IL 60004
Bankruptcy, Divorce, Family and International
Jay L. Dahl
Claimed Lawyer Profile
Jay L. Dahl
Kane County, IL Bankruptcy Attorney with 45 years of experience
(630) 232-9005 POBox 187
Geneva, IL 60134
Bankruptcy and Real Estate
The law office of Jay L. Dahl concentrate in Chapter 7 and Chapter 13 consumer and small business bankruptcy matters. We also concentrate in representation of clients with IRS and state tax problems such as tax levies, liens and seizures. We provide full service for real estate matters including advice to buyers and sellers and issuance of title insurance. I have been in private practice for 32 years in the Fox Valley area of Illinois. I am a current member of the Kane County Bar Association and the American Bankruptcy Institute. Office hours are by appointment only. Call...
David Freriks
Claimed Lawyer Profile
David Freriks
DeKalb County, IL Bankruptcy Attorney
(815) 981-1381 PO Box 668
Hinckley, IL 60520
Bankruptcy, Business, Collections and Probate
David R. Freriks, JD, MLIS

Mr. Freriks is a graduate of the University of Illinois and the Chicago-Kent School of Law. He was admitted to the Illinois and Federal Bars in 1980. During law school, he clerked for the late Honorable Brian B. Duff (1930-2016), United States District Judge of the United States District Court for the Northern District of Illinois.

In addition to his law practice, he has held administrative and management positions with the Office of the Illinois Secretary of State; Baker & McKenzie, the largest law firm in the world; the Association of Legal Administrators; the Thomson Reuters...
Lawrence W. Lobb
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Lawrence W. Lobb
Kane County, IL Bankruptcy Attorney with 26 years of experience
(630) 406-5440 111 Flinn St.
Batavia, IL 60510
Bankruptcy, Business, Collections and Foreclosure Defense
Timothy Brown
Claimed Lawyer Profile
Timothy Brown
McHenry County, IL Bankruptcy Attorney
(815) 788-9511 1520 Carlemont Drive
Suite M
Crystal Lake, IL 60014
Bankruptcy, Criminal Defense, DUI & DWI and Divorce
Daniel L Giudice
Claimed Lawyer Profile
Daniel L Giudice
DuPage County, IL Bankruptcy Attorney
(630) 674-2375 20 Danada Square W
Suite 250
Wheaton, IL 60189
Bankruptcy, Criminal Defense, Estate Planning and Real Estate
Diane Brazen Gordon
Lake County, IL Bankruptcy Attorney
(847) 383-5647 175 Olde Half Day Road
Suite 140-4
Lincolnshire, IL 60069
Bankruptcy
Angela Spalding
Kane County, IL Bankruptcy Lawyer
(773) 227-2218 606 Dundee Avenue
Elgin, IL 60120
Bankruptcy
DePaul College of Law
David L. Stretch
McHenry County, IL Bankruptcy Lawyer
(815) 578-0055 5447 West Bull Valley Road
McHenry, IL 60050
Bankruptcy
Mazyar M. Hedayat
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Mazyar M. Hedayat
Will County, IL Bankruptcy Attorney with 29 years of experience
(630) 378-2200 1211 W Lakeview Ct
Romeoville, IL 60446
Free ConsultationBankruptcy, Construction, Foreclosure Defense and Real Estate
University of Michigan - Ann Arbor, DePaul University and University of Michigan - Ann Arbor
Mazyar M. Hedayat is the principal of M. Hedayat & Associates, PC, a law firm that has represented Clients for nearly 25 years in the areas of business law and litigation, bankruptcy law and litigation, real property transactions and litigation, construction law and mechanics liens, corporate law, and more. After attending the University of Chicago and University of Michigan, Mr. Hedayat received his MBA from the U.M. Ross School of Business, and his J.D. from DePaul University College of Law. Mr. Hedayat is a title insurance agent and operated a full-service title company for 6 years....
Tina (Christine) Adams
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Tina (Christine) Adams
Lake County, IL Bankruptcy Attorney with 18 years of experience
(847) 223-5500 228 N Genesee
Waukegan, IL 60085
Free ConsultationBankruptcy and Personal Injury
John Marshall Law School
Tina Adams has been with Robert J. Adams & Associates full time since 1993. After law school, Tina became the managing partner at Robert J. Adams & Associations. Tina like her father concentrates in Consumer Bankruptcy. In addition, Tina works with business bankruptcy and Personal Injury cases. Tina is the Lake County attorney for Robert J. Adams & Associates. Additionally, in 2005 Tina became a part time adjunct instructor at the College of Lake County.
Thomas Howard
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Thomas Howard
Cook County, IL Bankruptcy Lawyer with 16 years of experience
(708) 247-5868 150 S. Wacker Drive
Suite 2400
Chicago, IL 60606
Bankruptcy, Business, Cannabis Law and Collections
Marquette University Law School
Licensed to practice since 2008, Thomas Howard has represented numerous financial institutions in litigation to enforce their security interests. Over the past decade, he has assisted community banks in complex commercial workouts involving some of the most sophisticated financial products in the banking industry. He has also litigated in contested contract cases on various legal theories. Since 2015, he has been named both a Rising Star from Super Lawyers and an Emerging Lawyer by Leading Lawyers. He also extensively represents secured creditors in various avenues of commercial loan enforcement through all aspects of litigation, from commercial workouts through...
David P Leibowitz
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David P Leibowitz
Cook County, IL Bankruptcy Lawyer with 50 years of experience
(312) 662-5750 3478 N. Broadway Unit 234
Chicago, IL 60657
Free ConsultationBankruptcy and Consumer
Loyola University Chicago School of Law
Charles N. Therman
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Charles N. Therman
Cook County, IL Bankruptcy Attorney with 24 years of experience
(773) 993-0024 8501 W Higgins Rd
#422
Chicago, IL 60631
Free ConsultationBankruptcy, Foreclosure Defense, Nursing Home and Personal Injury
DePaul College of Law
Attorney Charles N. Therman is an effective, experienced, compassionate advocate. He represents clients in personal injury, workers' compensation, nursing home abuse, bankruptcy and foreclosure defense matters. He provides straightforward answers and solutions for his clients. Contact Charles for a free consultation!
Richard G. Fonfrias
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Richard G. Fonfrias
Cook County, IL Bankruptcy Attorney with 28 years of experience
(312) 969-0730 2815 Forbs Ave. Suite 107
Hoffman Estates, IL 60192
Free ConsultationBankruptcy and Foreclosure Defense
Western Michigan University Cooley Law School
Rich Fonfrias is a respected Financial Rescue and Bankruptcy Lawyer based in Chicago, Illinois. He has practiced law since 1996 and has in-depth experience helping families and business owners overcome serious financial problems. Rich represents clients in all types of financial emergencies, including creditor lawsuit defense – credit card defense – foreclosure defense – debt elimination, reduction and settlement – tax elimination, reduction and settlement – and loan and mortgage modifications, as well as chapter 7, 11 and 13 bankruptcies. In 1990, Rich graduated from State University of New York at Stony Brook, where he earned a Bachelor of Arts Degree in...
Adriana Cross
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Adriana Cross
Cook County, IL Bankruptcy Attorney
(708) 402-8523 111 W Jackson
Suite 1700
Chicago, IL 60604
Free ConsultationBankruptcy and Elder
Western Michigan University Cooley Law School
Adriana C Cross is an experienced Bankruptcy attorney, and owner of A Cross Law Firm PLLC, a full-service law firm located at 111 W. Jackson, Suite 1700, Chicago, IL 60604. She works personally on any and every case that comes into the firm. Adriana became licensed in the Northern District of Illinois Bankruptcy court in 2019, and worked for the Semrad law firm, also known as debt stoppers as a bankruptcy associate with until February of 2020. Adriana at that time chose to work for the family law firm of John Buchmiller and Associates, until April of 2020. Adriana opened A Cross...
Mark Varboncouer
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Mark Varboncouer
Cook County, IL Bankruptcy Lawyer with 23 years of experience
(312) 343-3503 200 E. Randolph St., Suite 5100
Chicago, IL 60601
Bankruptcy, Patents, Personal Injury and Probate
University of Illinois College of Law
Mark Varboncouer is the founder of Varboncouer Law. Mr. Varboncouer is an experienced trial attorney who previously spent 10-plus years with Kirkland & Ellis LLP (“one of the nation's largest and most prestigious law firms”/ “known for its world-class litigation practice”/ “one of the ‘Fearsome Foursome’ — the four firms most likely to strike fear in opposing counsel”); and 4-plus years with another highly-prestigious 1,000-plus attorney law firm, McGuireWoods LLP, where he litigated a variety of issues: contracts, non-competes, tortious interference, unfair competition, fraud, licenses and complex intellectual property issues (e.g., patents, trade secrets, trademarks, copyrights, false advertising etc.)....
Tina T Tran
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Tina T Tran
Cook County, IL Bankruptcy Lawyer with 8 years of experience
(773) 609-3637 208 S. Jefferson St.
Ste. 204
Chicago, IL 60661
Free ConsultationBankruptcy
Loyola University Chicago School of Law
Tina T. Tran (known to her close friends as Ty) is a second-generation Vietnamese American. As an ardent social justice advocate, Tina is committed to providing accessible, affordable, and affirming legal support and advocacy to people of all backgrounds and circumstances. She prides herself on giving her clients the fresh start they deserve, whether that be through filing for Bankruptcy, or through the Expungement and Sealing of criminal records. Tina grew up in the California Bay Area, and she learned early on about the wide discrepancies between people of different economic or racial backgrounds and their access to the...
Jonathan Paul Friedland
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Jonathan Paul Friedland
Cook County, IL Bankruptcy Attorney with 29 years of experience
(312) 704-2770 30 N LASALLE FL 30
CHICAGO, IL 60602
Bankruptcy and Business
University of Pennsylvania Law School
I am a partner and executive committee member. I view my job very simply: to make money for clients whenever possible and to protect their interests at every turn. My transactional work includes serving as outside general counsel to closely-held businesses and their principals; representing private equity funds and others in their M&A activities; and structuring new businesses, business lines, joint ventures, and other significant commercial relationships. I regularly advise clients on a wide range of topics including fiduciary duties, corporate structuring issues (between shareholders, members, joint ventures, etc.), credit negotiations, general contract issues, succession planning, employee matters, and...
George D. Gountanis
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George D. Gountanis
Cook County, IL Bankruptcy Lawyer with 14 years of experience
(773) 993-0024 8501 W Higgins Rd
#422
Chicago, IL 60631
Free ConsultationBankruptcy, Foreclosure Defense, Personal Injury and Workers' Comp
Western Michigan University Cooley Law School
Mr. Gountanis joined Therman Law Offices, LTD. directly upon completing his summer externship and graduating law school in November, 2010. Gountanis became one of Mr. Therman’s quick understudies, learning the art of aggressive negotiation, arbitration as well as trying cases to favorable verdict.

Mr. Gountanis received his Bachelor of Arts in Political Science from the University of Wisconsin, Master of Business Administration (M.B.A.) from Keller Graduate School of Management - Lincolnshire, and his Juris Doctorate from Western Michigan University, Cooley Law School at Grand Rapids, MI. He is admitted to the Illinois State Bar Association (ISBA), Chicago Bar Association (CBA) and...
Anthony Garcia
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Anthony Garcia
Cook County, IL Bankruptcy Attorney with 7 years of experience
(773) 993-0024 8501 W Higgins Rd
#422
Chicago, IL 60631
Free ConsultationBankruptcy, Foreclosure Defense, Nursing Home and Personal Injury
Chicago-Kent College of Law, Illinois Institute of Technology
Mr. Garcia recently completed his externship with Therman Law Offices and transitioned into the role of associate attorney. He passed the bar in August 2017. He was a law clerk with the firm for 2 years prior to becoming an attorney. Garcia focuses his practice in personal injury and workers’ compensation. Trained personally on the ‘ins and outs’ by Mr. Therman, he continues to grow and learn how to aggressively represent those in need.

Mr. Garcia received his Bachelor of Arts in Political Science, with a minor in Anthropology, at the The University of Illinois at Urbana-Champaign and his Juris Doctorate...
Cheri Costa
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Cheri Costa
Cook County, IL Bankruptcy Attorney with 18 years of experience
(708) 274-0080 15255 S. 94th Avenue
Suite 500
Orland Park, IL 60462
Free ConsultationBankruptcy, Divorce, Estate Planning and Family
Chicago-Kent College of Law, Illinois Institute of Technology
Cheri Costa is an attorney serving the Southwest Suburbs of Chicago and Chicagoland since 2005. My goal is to provide you and your family with Legal Advice and Legal Representation that you may need throughout your life. I understand the difficulties life may bring and I wish to be your Personal Attorney there for you at those times, whether it is going through a Divorce, obtaining Child Support, Maintenance (Alimony) or Parenting Time with your Children, helping with debt situations using our Bankruptcy Laws, Preparing your Estate Plan with Trusts and Wills, buying or selling your home, or...
Ariel Weissberg
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Ariel Weissberg
Cook County, IL Bankruptcy Attorney with 44 years of experience
(312) 663-0004 401 South LaSalle Street Suit 403
Chicago, IL 60605
Free ConsultationBankruptcy, Business, Foreclosure Defense and Real Estate
Saint Louis University School of Law
Ariel Weissberg is the managing partner of Weissberg and Associates, Ltd., 401 South LaSalle Street, Suite 403, Chicago, Illinois, 60605. Weissberg and Associates, Ltd. concentrates in the areas of business and commercial litigation, transactional matters and all aspects of insolvency and financial distress, including bankruptcy, loan work-outs and foreclosures. Mr. Weissberg founded Weissberg and Associates in July, 1984. Since then, he has built a varied and loyal clientele, comprised of small to medium-sized to publicly traded businesses, and individuals. He is sought out for complex business and financial planning, especially relating to credit facilities and crisis-management, and high-risk litigation....
Jessica Bentz
Claimed Lawyer Profile
Jessica Bentz
Cook County, IL Bankruptcy Attorney with 18 years of experience
(312) 647-2116 27 N. Wacker Dr.
Suite 310
Chicago, IL 60606
Free ConsultationBankruptcy, Consumer and Family
Barry University and University of Tulsa College of Law
With more than 15 years of experience in bankruptcy, Jessica Holguin provides advice and counsel to clients seeking debt relief. Mrs. Holguin has assisted clients with foreclosures, debt negotiations, adversaries, tax issues, short sales, real estate transactions with a particular emphasis on liquidations, and reorganizations. During her legal career, Mrs. Holguin litigated hundreds of cases and participated in a reported case, in which the Supreme Court of Florida affirmed an award for social security benefits Mrs. Holguin obtained for her dependent client. Mrs. Holguin has years of complex litigation experience. She has tried contested matters – involving issues such as IRS...
Peter Francis Geraci
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Peter Francis Geraci
DuPage County, IL Bankruptcy Lawyer with 50 years of experience
(888) 456-1953 2121 W Army Trail Rd #106
Addison, IL 60101
Free ConsultationBankruptcy, Consumer and Personal Injury
DePaul College of Law
Over 15,000 5-Star reviews from our satisfied clients! Since 1977, Geraci Law has helped over 100,000 people get debt-free by filing Chapter 7 and Chapter 13 bankruptcy. FREE LAWYER CONSULTATIONS, low/no attorney fees down to file. Over 35 offices near you, open late and weekends. Call today to talk, or meet with a lawyer for free. Find out why so many people Trust Geraci Law!
Frank G. Cortese
Claimed Lawyer Profile
Frank G. Cortese
Cook County, IL Bankruptcy Lawyer with 28 years of experience
(312) 269-9475 161 N. Clark Street
Suite 1700
Chicago, IL 60601
Free ConsultationBankruptcy
Georgetown University Law Center
Frank G. Cortese is a Graduate of Georgetown University Law Center. He has successfully represented over 7,000 clients in Bankruptcy throughout the Chicagoland area. With over 23 Years experience, you can be confident that he will successfully guide you through the Bankruptcy process. Mr. Cortese concentrates in Bankruptcy Law and will represent you in filing your Bankruptcy. At The Cortese Law Offices, P.C. you will be represented by an experienced attorney and not an inexperienced associate.

Chicago Bankruptcy Attorney Frank G. Cortese has been helping individuals and families facing financial crises throughout the Chicagoland area including Cook, DuPage, Kane and Will...
John Wonais
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John Wonais
Cook County, IL Bankruptcy Attorney with 9 years of experience
(312) 883-5422 11070 S Western Ave
#9
Chicago, IL 60643
Free ConsultationBankruptcy and Real Estate
The John Marshall Law School
John Wonais has helped thousands of Chicagoans obtain a fresh start through filing bankruptcy while offering affordable and zealous legal representation. He previously worked at one of the largest bankruptcy law firms in Illinois where he appealed a case against the City of Chicago all the way up to the Supreme Court of the United States. He believes that everyone deserves a voice and a chance to be debt free. As a smaller law firm, John prides himself on being available to his clients 24/7 – call now for a free consultation!
Terrance S Leeders
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Terrance S Leeders
Cook County, IL Bankruptcy Attorney with 26 years of experience
(312) 346-7400 205 W Randolph St. Suite #1401
Chicago, IL 60606
Free ConsultationBankruptcy
Western Michigan University Cooley Law School
Bankruptcy attorney in Chicago with 20+ years bankruptcy experience. I handle all aspects of chapter 7 and chapter 13 cases in Chicagoland. I offer free consultations to help get you the advice you need to make an educated decision about the bankruptcy filing process. Contact me to get the fresh start you deserve.

I am a member of the American Bankruptcy Institute, the Chicago Bar Association and the Illinois Bar Association. I have filed thousands of bankruptcy cases in Illinois and have eliminated millions of dollars in debt from credit cards, medical bills, repossessions,...
Marilyn  Johnson
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Marilyn Johnson
Will County, IL Bankruptcy Attorney with 44 years of experience
(815) 723-8800 15 W Jefferson St
Ste 100
Joliet, IL 60432
Free ConsultationBankruptcy, Criminal Defense, Divorce and Family
Loyola University Chicago School of Law
Marilyn Johnson is a partner at Johnson & Johnson, Ltd. She has been practicing law for over 30 years, concentrating in the areas of divorce, custody, support, and visitation. She has conducted numerous trials and hearings involving large marital estates and complex child custody issues. Prior to practicing law, Marilyn Johnson was a special education teacher who worked with children with learning disabilities and emotional and behavioral problems. Her vast experience as a lawyer, teacher, and mother has enabled her to acquire a deep, compassionate understanding of the family unit, which has enabled her to counsel clients through the most...
Anamaria F. Rivero-Boundas
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Anamaria F. Rivero-Boundas
Cook County, IL Bankruptcy Attorney with 13 years of experience
(630) 235-5825 6428 Joliet Rd., Ste. 204
Countryside, IL 60525
Free ConsultationBankruptcy
DePaul College of Law
I represent individuals in Chapter 7 and 13 bankruptcies in Illinois. Free consultation available. Payment plans available for qualified clients.

Bar Admissions
- State of Illinois, 2010
- United States Court of Appeals, Seventh Circuit, 2011
- United States District Court for the Northern District of Illinois, 2011
- United States Bankruptcy Court, Northern District of Illinois, 2013
- United States Bankruptcy Court, Central District of Illinois, 2016
- State of Texas, 2020

Professional Memberships:
- State Bar of Texas
Stephen M. Thacker
Claimed Lawyer ProfileSocial Media
Stephen M. Thacker
Cook County, IL Bankruptcy Attorney with 42 years of experience
(312) 464-1234 One East Wacker Drive #3800
Chicago, IL 60601
Free ConsultationBankruptcy, Business, Family and Personal Injury
DePaul College of Law
Mr. Thacker is an attorney at the law offices of GWC Injury Lawyers LLC. With more than 30 years of experience and a proven track record of success, Stephen is a valued asset to our law firm. If you require comprehensive legal counsel in Illinois, contact Mr. Thacker today at (312) 464-1234 or toll free at (800) 464-4772.
John Eggum
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John Eggum
Cook County, IL Bankruptcy Attorney with 15 years of experience
(312) 863-5053 222 N. La Salle St.
Ste. 1400
Chicago, IL 60601
Bankruptcy, Business, Insurance Claims and Insurance Defense
University of Iowa
A partner in the firm, John Eggum concentrates his practice on insurance coverage disputes and commercial litigation. With respect to insurance coverage matters, Mr. Eggum is regularly retained in a wide range of property and casualty commercial lines disputes, and has represented insurance companies in property coverage litigation (fire, wind, hail, collapse, etc...), inland marine matters, and liability coverage litigation (including mass tort, products claims, cyber/technology liability, and professional liability claims). He also represents both private and public companies (including financial institutions) in commercial disputes around the country. Mr. Eggum is also frequently retained by insurers, banks,...
Dean  Matsas
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Dean Matsas
Cook County, IL Bankruptcy Attorney with 38 years of experience
(773) 907-9600 5441 1/2 N Lincoln Ave
Chicago, IL 60625
Free ConsultationBankruptcy, Personal Injury and Workers' Comp
Loyola University Chicago School of Law and University of San Diego School of Law
C. Dean Matsas [known as "Dean"], is the owner of "C. Dean Matsas & Assoc., PC," also known as: MakeItBetterLaw. Born and raised in Chicagoland, to Greek immigrants, Dean understands and appreciates the day-to-day struggles people and their families face. He is a licensed attorney for over 30 years and has extensive experience and knowledge of the law, concentrating in the areas of injury law and debt relief or bankruptcy, helping 100's of clients and their families over the years, to either receive compensation or to get rid of debt. He focuses on giving his clients personal and individualized...

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