With the uncertain twists and turns of life, sometimes financial situations arise that leave people needing a fresh start. Sometimes it is mounting credit card debt that came about due to unemployment, divorce or other short-term problems that are then impossible to eliminate. Sometimes, it is huge medical bills or other expenses that are simply not within one’s ability to pay.
People find themselves drowning in debt – lawsuits, wage deductions, collections calls, and no end in sight.
We have decided as a society that we don’t want people to continue to suffer from these problems, and have decided as a nation to give people a fresh start. Over a million bankruptcies are filed each year, and many people have gone on to have great success after taking advantage of this fresh start – Walt Disney and Harry S Truman, to name a couple, plus Henry Ford’s first automobile company.
The two main types of bankruptcy filings for individuals are under Chapters 7 and 13 of the United States Bankruptcy Code.
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy is total debt forgiveness – the slate is wiped clean. The concept behind Chapter 7 is that one’s assets are gathered into your bankruptcy estate to be distributed to their creditors. However, there are numerous exemptions that apply, which allows most people to retain all of their assets while discharging their debts in bankruptcy.
Chapter 13 Bankruptcy
For people whose income exceeds certain levels, or for those with significant assets that cannot be protected by exemptions, there is the option of proceeding under Chapter 13. This involves preserving those assets while paying back a portion of the individual’s debts over the course of three to five years. The amount to be paid back is determined by the person’s ability to pay (disposable income).
Why Choose the Law Office of Matthew Robinson?
With the Law Office of Matthew Robinson, you are given personal attention and everything is handled by an attorney, not clerks or paralegals. You won’t be told that your case is “not a simple case” forcing you to pay a higher fee. You will get a free initial consultation and will gain a full understanding of the process before making the decision to move forward. Payment plans are also available while we work on your case – fees must simply be paid prior to the filing of the case.
Contact the Law Office of Matthew Robinson at MDRLawOffice.com
If you live in Geneva, St. Charles, Aurora, Elburn, Batavia, Elgin, Yorkville or any of the surrounding counties of Kane, DuPage, or Kendall Counties, and would like more information on filing for bankruptcy protection, give The Law Office of Matthew Robinson a call at (630) 402-0850.
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Geneva Law Office
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to