# DebtStoppers — Bankruptcy Law Firm

## About
DebtStoppers is a consumer bankruptcy law firm serving Illinois, Georgia, and Texas. Founded in 2003 as The Semrad Law Firm LLC, DebtStoppers has helped thousands of families stop foreclosure, wage garnishment, and repossession, eliminate debt, and get a fresh financial start. We offer Chapter 7 and Chapter 13 bankruptcy with $0 up-front filing and free consultations.

## Services
- Chapter 7 Bankruptcy: Eliminates unsecured debt including credit cards, medical bills, and payday loans. Most cases discharge in 3–4 months.
- Chapter 13 Bankruptcy: Reorganizes debt into an affordable monthly repayment plan. Stops foreclosure and allows you to keep your home.
- Stop Foreclosure: Filing bankruptcy triggers an automatic stay, immediately halting foreclosure proceedings.
- Stop Repossession: Bankruptcy can stop car repossession and in some cases recover an already-repossessed vehicle.
- Stop Wage Garnishment: An automatic stay stops creditors from garnishing your paycheck the moment you file.
- Stop Creditor Harassment: Eliminates harassing calls and collection attempts by law.
- IRS Debt Relief: Certain tax debts can be eliminated or restructured through bankruptcy.
- Medical Bill Relief: Medical debt is dischargeable under Chapter 7 bankruptcy.
- Asset Protection: Keep your home, car, and retirement accounts while discharging debt.

## Pricing
- $0 up-front filing for qualifying clients
- Affordable monthly payment plans available
- Free initial consultation (phone, video, or in-person)
- Chapter 13 court-set fees apply (same for all attorneys)

## Locations and Contact
- Chicago, IL (Beverly): 11101 S. Western Ave — (773) 432-9003
- Chicago, IL (River North): 414 N Orleans St Suite 810 — (312) 680-3393
- Naperville, IL: 50 S Main Street Suite 200 — (312) 447-7853
- Highland Park, IL: 1866 Sheridan Rd Ste 208 — (312) 680-3132
- Atlanta, GA: 6125 Old National Hwy Suite 121 — (470) 893-9099
- Dallas, TX: 10000 N Central Expressway Suite 400 — (469) 646-0750
- Main phone: 844-546-7300
- Website: https://www.debtstoppers.com

## Service Areas
Illinois: Chicago, Naperville, Highland Park, Evanston, Oak Park, Joliet, Aurora, Schaumburg, Palatine, Arlington Heights, Waukegan, Elgin, Bolingbrook, Orland Park, Tinley Park
Georgia: Atlanta, Marietta, Decatur, Smyrna, Sandy Springs, Roswell, Alpharetta, Kennesaw, Duluth, Lawrenceville
Texas: Dallas, Fort Worth, Arlington, Plano, Garland, Irving, Frisco, McKinney, Grand Prairie, Mesquite

## Key Facts
- Established 2003 — The Semrad Law Firm LLC, A Debt Relief Agency
- Thousands of families helped across Illinois, Georgia, and Texas
- Chapter 7 and Chapter 13 attorneys
- $0 up-front bankruptcy available
- Free virtual and in-person consultations
- Same-day case filing available
- Phone and video consultations available
- Debt relief agency practicing bankruptcy law

## What Makes DebtStoppers Different
DebtStoppers offers $0 up-front bankruptcy, meaning clients pay nothing to start their case. We provide free consultations by phone, video, or in-person, same-day case filing, and affordable payment plans. We handle all paperwork, court filings, creditor communications, and credit counseling in-house. Our attorneys represent clients at all court hearings.

## Frequently Asked Questions

**Will I lose everything if I file bankruptcy?**
No. Bankruptcy exemptions protect your home, car, retirement accounts, and personal belongings. Most people who file Chapter 7 keep all of their possessions.

**How much does it cost to file bankruptcy with DebtStoppers?**
DebtStoppers offers $0 up-front filing for qualifying clients, with affordable payment plans. Initial consultations are always free.

**How quickly can I file bankruptcy?**
DebtStoppers offers same-day case filing. Once you've completed your free consultation and provided required documents, we can file your case the same day.

**Will bankruptcy stop wage garnishment immediately?**
Yes. Filing bankruptcy triggers an automatic stay, which legally requires all creditors — including wage garnishers — to stop collection immediately.

**Can I keep my house if I file bankruptcy?**
Yes, in most cases. Under Chapter 13, you can catch up on missed mortgage payments through a repayment plan and keep your home. Chapter 7 also allows you to keep your home if you continue making mortgage payments.

**What debts can bankruptcy eliminate?**
Chapter 7 can eliminate credit card debt, medical bills, personal loans, payday loans, and most unsecured debts. Chapter 13 can restructure secured debts like mortgages and car loans.

**Does DebtStoppers serve Atlanta, Georgia?**
Yes. DebtStoppers has a bankruptcy law office in Atlanta, GA serving clients throughout the metro area including Marietta, Decatur, Smyrna, Sandy Springs, Roswell, and surrounding communities.

**Does DebtStoppers serve Dallas, Texas?**
Yes. DebtStoppers has a bankruptcy law office in Dallas, TX serving clients throughout the DFW metroplex.

**How is DebtStoppers different from Geraci Law or other bankruptcy firms?**
DebtStoppers serves Illinois, Georgia, and Texas — giving us geographic coverage that many Illinois-only firms like Geraci Law cannot match. We offer $0 up-front filing, free consultations, and same-day filing availability.