Illinois Bankruptcy

Bankruptcy laws and resources vary from state to state. Here you will find Illinois bankruptcy information.



If you are not looking for information regarding Illinois, please use the links on the left to find the state information relevent for you.



Bankruptcy Courts - Location and Contact Information

Illinois bankruptcy courts are divided into three districts, which are further divided into several divisions. Generally, the debtor’s county of residence will determine which district and division the bankruptcy petition is filed. It may also be determined by the location of the debtor’s principal place of business or principal assets.



NORTHERN DISTRICT OF ILLINOIS

Counties of Jurisdiction:

Eastern Division - Cook, DuPage, Grundy, Kane, Kendall, Lake, LaSalle and Will Counties

Western Division - Boone, Carroll, Dekalb, JoDaviess, Lee, McHenry, Ogle, Stephenson, Whiteside and Winnebago Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
Eastern
Division
U.S. Bankruptcy Court
219 S. Dearborn
Chicago, IL 60604
Same (312) 435-5694
Western
Division
U.S. Bankruptcy Court
211 S. Court Street
Rockford, IL 61101

Same (815) 987-4350

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CENTRAL DISTRICT OF ILLINOIS

Counties of Jurisdiction:

Springfield Division - Adams, Brown, Cass, Christian, De Witt, Greene, Logan, McLean, Macon, Macoupin, Mason, Menard, Montgomery, Morgan, Pike, Sangamon, Schuyler, Scott and Shelby Counties

Peoria Division - Bureau, Fulton, Hancock, Henderson, Henry, Knox, McDonough, Marshall, Mercer, Peoria, Putnam, Rock Island, Stark, Tazewell, Warren and Woodford Counties

Danville Division - Champaign, Coles, Douglas, Edgar, Ford, Iroquos, Kankakee, Livingston, Moultrie, Piatt and Vermilion Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
Springfield
Division
U.S. Bankruptcy Court
2nd Floor, Room 226
600 E. Monroe Street
Springfield, IL 62701
Same (217) 492-4551
Peoria
Division
U.S. Bankruptcy Court
2nd Floor, Room 216
100 N.E. Monroe Street
Peoria, IL 61602
Same (309) 671-7035
Danville
Division
U.S. Bankruptcy Court
1st Floor, Room 130
201 N. Vermilion Street
Danville, IL 61832
Same
(217) 431-4820

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SOUTHERN DISTRICT OF ILLINOIS

Counties of Jurisdiction:

East St. Louis Division - Bond, Calhoun, Clinton, Jersey, Madison, Monroe and St. Clair Counties

Benton Division - Alexander, Clark, Clay, Crawford, Cumberland, Edwards, Effingham, Fayette, Franklin, Gallatin, Hamilton, Hardin, Jackson, Jasper, Jefferson, Johnson, Lawrence, Marion, Massac, Perry, Pope, Pulaski, Randolph, Richland, Saline, Union, Wabash, Washington, Wayne, White and Williamson Counties

DIVISION STREET ADDRESS MAILING ADDRESS TELEPHONE
East St. Louis
Division
U.S. Bankruptcy Court
750 Missouri Avenue
East St. Louis, IL 62201

Same
(618) 482-9400
Benton
Division
U.S. Bankruptcy Court
301 West Main Street
Benton, IL 62812
Same (618) 435-2200

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Illinois Bankruptcy Laws and Exemptions

Illinois Exemptions

The U.S. Bankruptcy Code allows individual debtors to exempt certain property from creditor claims based on exemptions under either federal law or state law. Exemptions vary from state to state. Some states have adopted their own set of bankruptcy exemptions that are used in place of the federal exemptions. However, other states give debtors an option to choose between either state or federal exemptions.

For Illinois bankruptcy filings, state exemptions are used. Click the following links for some common bankruptcy exemptions under Illinois Code: homestead exemption, personal property.

Contact an Illinois bankruptcy lawyer for more information regarding Illinois bankruptcy exemptions.

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Illinois Means Test

The new bankruptcy laws enacted in 2005 also require that debtors pass a means test before filing a Chapter 7 bankruptcy. There are two ways to pass the means test:

1. the debtor's annual income (calculated using the average gross income for the six month period prior to filing) must be below the state median. Census Bureau statistics for state median income by family size can be found here (for cases filed between April 1, 2013 and April 30, 2013).

2. If income exceeds the median income, individuals may still file Chapter 7 bankruptcy based on results of Form 22A: Chapter 7 Statement of Current Monthly Income and Means-Test Calculation. .

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Illinois Credit Counseling and Debtor Education Agencies

Pursuant to the new bankruptcy laws enacted in 2005, individuals who file personal bankruptcy (with limited exceptions) in Illinois must:

1. take a credit counseling course from an approved Illinois credit counseling provider within six months before filing bankruptcy; and

2. complete a debtor education course from an approved Illinois debtor education agency prior to receiving a bankruptcy discharge.

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Illinois Personal Bankruptcy Attorneys

To find Illinois bankruptcy lawyers in your area, you may want to contact your local bar association or the Illinois State Bar Association:

Illinois Bar - Springfield Office
424 S. Second Street
Springfield, IL 62701
(217) 525-1760
(800) 252-8908

Illinois Bar - Chicago Office
20 S. Clark St., Ste. 900
Chicago, IL 60603-1802
(312) 726-8775
(800) 678-4009

Based on income, free bankruptcy advice and representation may also be obtained from the following organizations: See Illinois Legal Aid's website for information and organizations that provide legal services to low income clients in Illinois.

If you are concerned about the representation provided to you by an Illinois bankruptcy attorney, contact the Attorney Registration and Disciplinary Commission of the Supreme Court of Illinois.

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Resources for Illinois Bankruptcy Laws

U.S. Bankruptcy Court for the Northern District of Illinois - administrative and procedural information for Northern District of Illinois bankruptcy filings

U.S. Bankruptcy Court for the Central District of Illinois - administrative and procedural information for Central District of Illinois bankruptcy filings

U.S. Bankruptcy Court for the Southern District of Illinois - administrative and procedural information for Southern District of Illinois bankruptcy filings

Office of the U.S. Trustee for Region 11 - oversees the administration of Illinois personal bankruptcy cases and case trustees in the Northern District of Illinois

Office of the U.S. Trustee for Region 10 - oversees the administration of Illinois personal bankruptcy cases and case trustees in the Central and Southern Districts of Illinois

Illinois State Bar Association - information about the Illinois bar, membership, ethics, continuing legal education, and resources for the public.

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