The Law Office of Ben W. Koyl, P.C.
Call 773.709.9539
"We Will Help You."


- If you are coming up short on paying your necessary expenses (such as rent, mortgage, car
payment, food etc.) even before you pay your credit cards, loans or medical bills, you may qualify for
bankruptcy under Chapter 7. Chapter 7 eliminates all of your debt, without having to pay anything
back. You CAN keep your house and car.

- If you are falling behind on your house and car payments, owe the IRS, back child support or have
outstanding parking tickets then a Chapter 13 repayment plan may be your best option. You can even
put your credit card, loans and medical bills in the plan and pay as little as 10% of that debt back.
Contact the Law Office
of Ben W. Koyl, P.C. for
a Free Consultation
at 773.709.9539 or
ben@chicagobklaw.com

- If you are being harassed by collection agencies and you did not borrow money from them directly
you may be able to sue them for damages for violating the Fair Debt Collection Practices Act
- Examples include, collection agencies informing friends, neighbors or family members that you
owe a debt, collection agencies calling you at work after you told them you cannot take personal
calls, or calling you in the middle of the night.
  • Defending Creditor Lawsuits

- If you do not want to file bankruptcy or settlement efforts have failed then fight the creditors in court. I
will represent you in creditor collections actions to either leverage a settlement or fight to prevent a
negative judgment.
  • Debt Settlement Service

- We will establish a debt settlement account, and I will negotiate with your creditors for the
settlement of your debt for a fraction of what you owe.
  • Foreclosure Defense

- Failure to respond to a foreclosure can lead to a deficiency judgment against you. Meeting the
mortgage company head on through both litigation and non-litigation options can be an effective non-
bankruptcy option.

- You can save your business through reorganizing your debts thereby allowing you to pay some of
them back while keeping your business going.
  • Failure of an employer to pay wages, bonuses or other compensation
    (back pay)

- If your employer has wrongfully withheld wages, bonuses or other compensation sue them to
recover what you have rightfully earned.
  • Employment/Housing Discrimination

- If you were discriminated against at work or in renting or purchasing a home because of your age,
sex or race, among other criteria, you may be entitled to damages for these violations.
  • Criminal Misdemeanor Defense, Expungement and Sealing Petitions

- Traffic offenses, DUI, battery, I defend your rights in all misdemeanor cases.
- Clear up your criminal record. By filing a petition to expunge or seal you will improve your image to
potential employers or other third parties by clearing arrests or non-convictions from your criminal
record.
  • Divorce/Family Law

- The dissolution of a marriage is considered to be one of the most stressful times in a persons life. I
will provide compassionate and capable counseling to you in your time of need.

- My office provides services from drafting of simple wills, trust agreements to durable power of
attorney for healthcare documents. As a registered title agent for Attorneys Title Guarantee Fund we
offer competent representation at your real estate closing for a fair and reasonable fee.
  • General Legal Issues/Litigation

- Because I am a general practitioner concentrating in consumer law, my office can handle your matter
whatever it may be.
Disclaimer:

1. Nothing on this website shall be construed as legal advice;

2. Nothing on this website shall create an attorney client relationship.
Law Office of Ben W. Koyl, P.C.
17 North State Street
Suite 1700
Chicago, IL 60602
ph: 773.709.9539
ben@chicagobklaw.com
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The Law Office of Ben W. Koyl, P.C. is a Debt Relief
Agency helping people file for bankruptcy under the
United States Bankruptcy Code

Copyright 2012 Law Office of Ben W. Koyl, All rights
reserved.
Office Locations:

Chicago Loop
Chicago South Side
Joliet
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