No need to leave your home to receive legal consultations and services - Call or click to learn more about phone and video conferencing with our attorneys.
Top 3 Qualities to Look for in Your Attorney

Your attorney should not speak in legalese.

Finding an attorney that is a “real person” can be difficult.  Many attorneys surround themselves almost exclusively with other attorneys and are accustomed to speaking in ivory tower legalese.  You should be able to connect with your attorney on a personal level, and he or she should speak to you in plain language that you can understand.  You will be working very closely with this person on issues that are very important to you.  It is important that he or she be down-to-Earth and someone that you connect with.

Your attorney should be accessible.

The most common complaint that clients have of their attorneys is that the attorney is unreachable, does not communicate with them regularly, or does not promptly return your calls.  Your attorney should reach out to you about your case regularly and respond within 24 hours to calls and e-mails.  An open line of communication between you and your attorney is essential to building trust.

Your attorney should be realistic with you about costs and outcomes.

Your attorney’s goal should not be to win at all costs.  Rather, it should be to achieve a favorable outcome for you as efficiently as possible.  It is important that your attorney set realistic expectations at the outset as to the costs you should expect, concerns that the attorney has about the outcome of your case, and the length of time that you should expect your case to take.


Regardless of the nature your case, we have an experienced attorney who will focus on your individual needs. Our team of attorneys works closely together, bringing each of their different fields of expertise to bear in order to optimize our client care.

Legal Services

Family Law & Divorce

Our DuPage County attorneys offer cost-effective rates, amazing client service, and a wide range of expertise, and we always put our clients first. We provide comprehensive representation that you can rely on in the areas of DuPage County Divorce & Family Law, Estate Planning, Probate & Estate Administration, Civil Litigation, Guardianship, Corporate & Contract Law, DUI & Criminal Law and all other legal matters.

Learn More
Family Law & Divorce

Our DuPage community family attorneys provide exceptional legal work, aggressive representation, and above-and-beyond client service at affordable rates. Our family law and divorce teams are happy to assist you with any family law issues you may be experiencing, including divorce, child custody, child support, visitation rights, maintenance awards, and adoption.

Learn More
Probate & Estate Administration

Our DuPage County probate litigation attorneys will aggressively defend your rights in a cost-effective manner in contested estates. We have extensive experience litigating probate claims and handling contested probate matters and trust disputes. With excellent client service and comprehensive skills, our DuPage County contested estate attorneys will put you in the best position to proceed.

Learn More
Guardianship Law

Our DuPage guardianship attorneys offer cost-effective rates, expert-level experience, and amazing client service for our contested and uncontested guardianship clients. We hope to assist you and your family in affordably achieving your goals.

Learn More
Estate Planning

Our DuPage estate planning attorneys are friendly, affordable, and effective. Our experienced DuPage estate planning lawyers will educate you on your options and work together to execute a plan that will: (1) keep your estate out of costly probate, (2) name guardians for minor children, (3) avoid a guardianship proceeding if you become mentally incompetent, and (4) make sure your assets are distributed properly to your loved ones while avoiding or minimizing estate tax. Call us to discuss your estate planning goals.

Learn More
Litigation & Dispute Resolution

Our DuPage County civil litigation attorneys will work hard to achieve an efficient, cost-effective outcome for your matter while aggressively protecting your rights. Our trained litigators have extensive experience in federal disputes involving fraud, defamation, negligence, commercial litigation, breach of contract, disputes between business partners, employment disputes, landlord/tenant disputes and evictions, construction law, and homeowners association disputes.

Learn More
DUI, Criminal & Traffic Defense

Our DuPage criminal defense attorneys have the skills and expertise to put you in the best position to succeed in your case, whether you are arrested for DUI, drug charges, traffic charges, or other criminal charges. We explore every facet of the law and pursue every option we have to defend you. We pride ourselves in being your most aggressive advocate and your shield. Our skilled criminal attorneys work hard to have your charges dropped or reduced to get you your liberty and life back.

Learn More
Business, Corporate & Contract Law

Our DuPage business attorneys have the knowledge, understanding, and budget-friendly rates necessary to be the optimal solution for your business' legal needs. Call us to schedule a free consultation and discuss the cost-effective legal solutions we can provide for you, your family, and your corporation or LLC. Our DuPage County corporate representation attorneys will also assist your corporation or LLC in every aspect of business creation and maintenance. We will take the time to learn about your situation and educate you on the most advantageous corporate form. We will then do the legwork to incorporate your corporation or LLC at affordable rates.

Learn More
Immigration

Our DuPage County immigration attorneys have the skill and experience necessary to pursue every avenue under the law and ensure that you and your family can become naturalized citizens or remain in the United States. With affordable rates, above-and-beyond customer services, and multi-language communication experience, our DuPage immigration lawyers will be your trusted advocates and see your case through to the end.

Learn More
Real Estate Law

​Our experienced DuPage County real estate attorneys know how important your real estate matter is. Whether you're buying or selling a home, business location, or have or need a mechanics lien matter taken care of, we can help. At O'Flaherty Law, we have the experience to give you and your matter the attention it deserves. We communicate with you, your realtor, and your lender at every stage of the transaction and ensure your real estate matter goes as smoothly as possible.

Learn More
Real Estate Law

Our DuPage County real estate attorneys promise to provide the above-and-beyond client service necessary to take your real estate purchase smoothly from contract to closing.

Learn More

See why we are trusted

Kevin's firm handled setting up my will and trust recently. They took something that seemed intimidating and made it easy to understand. I've also referred a couple clients to Kevin - he's trustworthy, approachable and very fairly priced.

Christi M.

"I've used Kevin and his firm's services since 2011. He gave undivided attention to my cases, advised me on different options and..."

Marvin

"Kevin was extremely professional, responsive and knowledgeable when I came to him for help. I would definitely recommend O'Flaherty Law!"

Rachel B.

"...your articles on the changes to the child support law are very well-written and informative.”

Julianne

“It’s good to open the door of creative vision to offer a service that may motivate other attorneys to do the same. Keep up the good work.”

LuQman

"Great set of articles. I was divorced in 2014 with one child and would have certainly considered you had I seen these types of articles then."

DJ

DuPage Bankruptcy Attorneys

Contact Us

Please contact our friendly lawyers to Schedule a Consultation.
See below for our other locations. If our office locations are not convenient for you, we are happy to speak with you by phone.

Please contact our friendly DuPage Bankruptcy Attorneys at our nearest location to schedule a free consultation.

O'Flaherty Law of Naperville

1515 Legacy Cir., Ste. 1

Naperville, IL 60563

(331) 330-7466
info@oflaherty-law.com

Hours of Operation

Open
Monday
9:00am - 7:00pm
Tuesday
9:00am - 7:00pm
Wednesday
9:00am - 7:00pm
Thursday
9:00am - 7:00pm
Friday
9:00am - 7:00pm
By Appointment
Saturday
11:00am - 3:00pm
Sunday
11:00am - 2:00pm

Why O'Flaherty Law of Naperville?

Why O'Flaherty Law of Naperville?

Why O'Flaherty Law of Naperville?

Top 3 Qualities to Look for in Your Attorney

Cost-Effective

When we started our firm in the midst of the recession, we learned to survive in a lean environment and pass the savings on to our clients.  As the economy has improved, we have not changed our philosophy.  We are hungry to grow our client base, and so we have intentionally set our rates below what the market will bear.  Our mission is to make each client walk away feeling that they got more value than they paid for.  This is easier to do when we make our prices affordable.

Client-Focused

The secret to our success as a firm is incredibly simple: we build a personal relationship with each of our clients and treat them with the respect that they deserve.  We pride ourselves on our open lines of communication, frequent check-ins with our clients, and our accessibility.  We are here to help you in any way we can, often leveraging our network of resources to assist you with non-legal issues that you may be having.  We are your one-stop problem-solver and trusted adviser.  All attorneys say that they provide excellent client service, but, unlike other attorneys, we practice what we preach.  We make sure every client walks away happy . . . period.

Comprehensive

We are your community law firm.  Our business is built on long-term relationships with our clients.  Our clients have the luxury of building trust over time with one team of attorneys, rather than having to find a new attorney for each different type of matter that arises over the course of their lives.  No one attorney can be an expert at everything.  That is why we have worked hard to assemble a team of attorneys with extensive experience in different areas of expertise.  Our attorneys work together closely to bring our collective experience to bear on any issue that may arise for our clients.

dupage county bankruptcy attorney
bankruptcy attorney dupage county illinois

Great at What We Do

Since our business comes entirely from referrals and community involvement, our reputation for quality legal work is our greatest asset . . . and it is extremely important to us.  Each of our attorneys is truly experienced in his or her practice areas, with the highest personal standards of excellence.  We are proud of our reputation in the community, and we did not achieve it by accident.  Our reputation for excellence comes from hard work, continuing education, and an above-and-beyond approach to our clients’ cases.

Our DuPage Bankruptcy Attorneys provide excellent service in the following areas of law:

Our attorneys work as a team to provide comprehensive has experience in:
  • We Give You Counsel From Experienced Attorneys, Not Info-Tapes!   Many bankruptcy & dispute resolution attorneys won't even meet their clients until the meeting with the trustee near the end of the bankruptcy case.  When working with O'Flaherty Law, you will have a trusted relationship with our DuPage bankruptcy attorneys from your free consultation until long after the conclusion of your bankruptcy case.  We care about our clients, and hope to be your advisor for any legal issues. such as estate planning and home purchases, that may arise after your bankruptcy is complete. 
  • We Are Affordable!  Our DuPage County bankruptcy lawyers understand that the last thing that you can afford when considering your options for bankruptcy and debt negotiation are expensive attorney fees.  We are proud of our affordable rates and invite the comparison to other DuPage bankruptcy attorneys.  If you can find a more affordable debt solution, we would like to hear about it.  
  • ​We Have a Wide Network of Resources to Help Get You Back on Your Feet!  When getting your fresh start through bankruptcy, you don't just need an attorney--you need a network of resources to help you get back on your feet.  Because of our deep roots in the DuPage community, we can put you in touch with other DuPage professionals and resources such as lenders, bankers, vehicle solutions, and credit repair solutions to get your new life started the right way.  

You Don't Have to Leave Your Home For Your Legal Consultation

In this video, attorney Kevin O'Flaherty describes ways you can receive legal services from the comfort of home.

Please contact our friendly lawyers to Schedule a Consultation.
See below for our other locations. If our office locations are not convenient for you, we are happy to speak with you by phone.

O'Flaherty Law of Naperville

1515 Legacy Cir., Ste. 1

Naperville, IL 60563

info@oflaherty-law.com

What to Expect From a Consultation

The purpose of a free consultation is to determine whether our firm is a good fit for your legal needs. Although we often discuss expected results and costs, our attorneys do not give legal advice unless and until you choose to retain us. Although most consultations are complimentary, some may carry a charge depending on the type of matter and meeting location.

Expertise Best Child Support Lawyers in Chicago 201710 Best 2016 Client Satisfaction American Institute of Family Law AttorneysAvvo Clients' Choice 2016 DivorceRising Stars Kevin P. O'Flaherty SuperLawyers.com10 Best Law Firms 2018 Client Satisfaction American Institute of Family Legal Counsel Attorneys Estate Planning Law40 under forty

Check Out Articles and Videos from our DuPage Bankruptcy Attorneys

In this video of Learn About Law, DuPage County bankruptcy attorney Kevin O'Flaherty explains the differences between Chapter 7 and Chapter 13 bankruptcy.

In this video of Learn About Law, DuPage County bankruptcy attorney Kevin O'Flaherty explains the differences between Chapter 7 and Chapter 13 bankruptcy.

What Are My Options For Dealing With Debt in DuPage County?

Our DuPage County bankruptcy attorneys are here to help you understand your debt relief options and have written the following articles to help you understand your options under Illinois law.

Individuals dealing with significant debt generally have three options:

  1. Retaining an attorney to negotiate a reduction of the debt and a payment plan;
  2. Filing Chapter 7 Bankruptcy to wipe out your debt; or 
  3. Filing a Chapter 13 Bankruptcy to establish a 3-5 year payment plan for your debt. 
Debt Negotiation

‍Debt negotiation may be your best option if you have less than $15,000.00 in debt, if most of your debt is not dischargeable in bankruptcy, or if you have property, like your home or vehicles that our DuPage bankruptcy attorneys do not think you will be likely to keep in the bankruptcy.  (Read an article by our DuPage bankruptcy lawyers about the types of property you can keep in a bankruptcy). Debt negotiation is a good option for anyone who has too much debt to comfortably pay off through normal budgeting, but not enough debt to have bankruptcy make sense. 

Chapter 7 Bankruptcy

Our DuPage bankruptcy attorneys usually recommend Chapter 7 Bankruptcy for clients who have more than $15,000.00 in debt, who are not ineligible for Chapter 7 bankruptcy due to high income; and who do not have a concern about losing their home or vehicles in the bankruptcy (Read an article by our DuPage bankruptcy lawyers about property that is exempt from collection in bankruptcy).  In a Chapter 7 Bankruptcy, all of your dischargeable debt will be completely wiped out.  Student loans and tax debt are generally not dischargeable.  

Chapter 13 Bankruptcy

Our DuPage bankruptcy attorneys tend to recommend Chapter 13 bankruptcy for individuals who would be a good candidate for Chapter 7 bankruptcy, but are not eligible for Chapter 7 bankruptcy due to income levels or have significant assets that they would be likely to lose in a Chapter 7 bankruptcy.  In a Chapter 13 Bankruptcy, the court will approve a plan whereby your debt will be repaid over the course of 3 to 5 years.  Unlike a Chapter 7 bankruptcy, your debt will not be discharged, but will ultimately be repaid.  Unlike a Chapter 13 bankruptcy, the debtor's property is not collected to satisfy the debt.  Chapter 13 bankruptcy is a good solution to buy individuals with higher incomes or asset levels time to pay off their debts. 

Read more about your Chapter 7 or Chapter 13 bankruptcy options in this article by our DuPage County bankruptcy attorneys.

In this Learn About Law podcast & videoblog, DuPage County bankruptcy attorney Kevin O'Flaherty of O'Flaherty Law explains Chapter 7 bankruptcy in-depth.

Chapter 7 Bankruptcy in Illinois

Our DuPage County bankruptcy team has written the following article to clarify the Chapter 7 bankruptcy process.

The first step in a Chapter 7 bankruptcy occurs when our friendly DuPage bankruptcy lawyers to file your bankruptcy petition and schedules with the Bankruptcy Court for the Northern District of Illinois.  Your bankruptcy schedules provide the court with a detailed description of your assets, liabilities, income and assets.  

After filing, the court will automatically schedule a meeting known as the "First Meeting of the Creditors."  The First Meeting of Creditors is a meeting between you, your attorney, and the bankruptcy trustee.  Despite the title of the meeting, creditors almost never attend.   

‍The bankruptcy trustee is an attorney appointed by the court to review your bankruptcy filings to protect the interests of your creditors and prevent fraud.  At the First Meeting of the Creditors, the trustee will briefly review your bankruptcy schedules and ask you some basic questions.  At the end of the meeting the trustee will determine whether you have any non-exempt assets that can be collected to pay your debts and whether your debts should be discharged. 

If all goes as planned, the case will remain open for a few weeks, during which creditors can object to discharge.  After the meeting, you will be required to take a brief online course regarding financial management and file a certificate of completion with the court.  Once the period for creditors to object to discharge has passed, your case will be closed and your debts will be discharged.  Creditors almost never object to discharge.  

Read the full article by our DuPage County bankruptcy attorneys about Chapter 7 bankruptcy.

In this video, DuPage County bankruptcy lawyer Kevin O'Flaherty explains how Chapter 13 Bankruptcy can allow you to keep your most important assets.

If I File for Bankruptcy Can I Keep My House and Cars?

In this article, our DuPage County bankruptcy attorneys explain how you can keep your most important assets when filing for bankruptcy.

When you file for Chapter 7 bankruptcy in DuPage County, Illinois, you can typically have your debt discharged while keeping your home and vehicles.  Certain assets are exempt from collection by the bankruptcy trustee, meaning that if you have less value in an asset type than the exemption amounts, the trustee will not be able to collect that asset to pay your creditors.

The exemption amounts in DuPage County are a follows:   

  • ​$15,000.00 of equity in your primary residence ($30,000.00 for a married couple filing jointly); 
  • $2,400.00 of equity in vehicles ($4,800.00 for a married couple fling jointly); and
  • a $4,000.00 wildcard exemption that can be applied to any type of asset.  

Many of these exemptions depend on how much equity you have in the property in question. If your equity in an asset is less than the exemption amount, you will be able to keep the asset in the bankruptcy.   

However, if the asset is secured by a loan (such as a mortgage), you will have to sign and file a "reaffirmation agreement" with the bankruptcy court.  A reaffirmation agreement is an agreement between a bankruptcy debtor and the holder of a loan that the loan will not be discharged in the bankruptcy, and that the debtor will continue to make payments on the loan after the bankruptcy. If you have slightly more equity in an asset than the exemption amounts, the trustee still may not choose to collect the asset in your bankruptcy.  

If it appears likely that an asset you value, such as your home, will be in jeopardy in a Chapter 7 bankruptcy, our DuPage bankruptcy lawyers will explore other options with you, such as Chapter 13 bankruptcy and debt negotiations outside of bankruptcy. 

Read more from our DuPage bankruptcy attorneys about bankruptcy exemptions.

Further Reading from our DuPage Bankruptcy Attorneys

Should I File Chapter 13 Bankruptcy or Chapter 7 Bankruptcy in Wisconsin?

This article discusses whether it is better to file for Chapter 7 bankruptcy in Wisconsin or Chapter 13 bankruptcy in Wisconsin.

Madison Clark

June 28, 2021

How to Prepare to File for Chapter 7 Bankruptcy in Wisconsin

In this article we discuss that process.  

  • What is Chapter 7 Bankruptcy?
  • Do I Qualify to Apply for Chapter 7 Bankruptcy in Wisconsin?
  • Wisconsin Bankruptcy Exemptions
  • Do I Need an Attorney to File for Bankruptcy in Wisconsin?
  • What Documents Do I Need to File?
  • Are There Other Requirements to File Chapter 7 Bankruptcy in Wisconsin?
  • How Much Does It Cost to File Chapter 7 Bankruptcy in Wisconsin?
  • What Happens Post-File?

Raven Adams

June 25, 2021

Iowa Bankruptcy Law Updates 2021 | Recent Changes to Iowa Bankruptcy Law

As of December 2020, the Consolidated Appropriations Act of 2021 (the “Act”) was enacted, which temporarily modified several sections of the Bankruptcy Code. In this article we discuss these recent changes to bankruptcy law including:  

  • Changes to Obtaining Credit 2021
  • Changes to the Deadline for Performance of Obligations 2021
  • Changes to Non-Residential Leases 2021
  • Changes to Utility Service 2021
  • Changes to Discriminatory Treatment Protections 2021
  • Changes to Property of the Estate 2021
  • Changes to Bankruptcy Preferences 2021

May 3, 2021