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List of Forms by Chapter
Chapter 1 — Getting a Consumer Bankruptcy Started
III. [1.3] Initial Consultation
IV. Other Requirements and Considerations Before a Debtor Signs and Files the Bankruptcy Petition and Related Documents
VI. Appendix — Lists, Notices, and Intake Questionnaire
Chapter 2 — Bankruptcy Code §707 and the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
I. Introduction
III. Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
Chapter 3 — Redemption, Reaffirmation, and Abandonment
II. [3.2] Statement of Intention
III. [3.6] Redemption
IV. [3.12] Reaffirmation
VI. [3.23] Abandonment
VII. Appendix — Sample Forms
Chapter 4 — Discharge and Dischargeability: In Search of the Holy Grail
II. Bankruptcy Code §727 — No Discharge for Any Debts: The Ultimate Bankruptcy Death Sentence
III. [4.47] Bankruptcy Code §523 — Exceptions to Discharge
Chapter 5 — Filing a Chapter 7 Petition and Exemptions
I. General Provisions Relating to Consumer Chapter 7
II. Commencing a Chapter 7 Case
III. [5.16] Exemptions
Chapter 6 — Claims and Priorities
I. Scope of Chapter
II. Claims
III. Priorities
Chapter 7 — Chapter 12 Bankruptcy Tips and Procedures
II. Unique Problems of Farmers
V. Chapter 13 for Farmers and Improved Chapter 12 After the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
VI. Chapter 12 Plan
Chapter 8 — Chapter 13
IV. [8.4] Eligibility
V. Automatic Stay
VII. The Means Test
VIII. Crafting A Plan
XVI. Miscellaneous Concerns
Chapter 9 — The Trustee’s Duties and Functions
II. [9.2] Trustee’s Duties
III. [9.29] Avoiding Powers
Chapter 10 — Creditors' Rights
II. [10.2] Obtaining Information from the Debtor
III. [10.9] Dismissal
IV. Automatic Stay
V. Complaint Objecting to Discharge; Complaint To Determine Dischargeability
VI. Objection To Confirmation of Chapter 13 Plan
VII. Proof of Claim
VIII. Reaffirmation Agreements
Chapter 11 — Trustees’ and Attorneys’ Fees
III. [11.3] Attorneys’ Fees for Debtors’ Counsel Under Chapter 7
IV. [11.8] Attorneys’ Fees for Debtors’ Counsel Under Chapter 13
V. [11.17] Attorneys for Trustees/Debtors-in-Possession Under Chapters 7 and 11
VII. [11.29] Compensation and Fee ApplicationsSumner A. Bourne is a Partner at Rafool & Bourne, P.C., in Peoria, where he concentrates his practice in bankruptcy. He is a bankruptcy trustee for the Central and Southern Districts of Illinois. Mr. Bourne received his BS from the University of Illinois and his JD magna cum laude from the Boston University School of Law.
Rebecca S. Brown is a career law clerk with the U.S. Bankruptcy Court for the Southern District of Illinois in East St. Louis, where she concentrates her practice in bankruptcy. She is a member of the Bankruptcy Association of Southern Illinois. Ms. Brown received her BA from the University of Illinois Urbana-Champaign and her JD from the Southern Illinois University School of Law.
Darron M. Burke is a Partner at Barrick, Switzer, Long, Balsley & Van Evera, LLP, in Rockford, where he concentrates his practice in bankruptcy, municipal law, and civil litigation. He is a member of the Illinois State Bar Association and has served on the Board of Directors of the Winnebago County Bar Association. He has been recognized as an Emerging Lawyer by Leading Lawyers from 2019 to 2021. Mr. Burke received his BA from the University of Illinois Urbana-Champaign and his JD from New England Law | Boston.
Laura Koeneman Grandy is a Recalled U.S. Bankruptcy Judge of the U.S. Bankruptcy Court for the Southern District of Illinois, where she served as Chief U.S. Bankruptcy Judge from 2010 to 2024. She is a member of the National Conference of Bankruptcy Judges, a bankruptcy judge representative to the Judicial Conference of the Seventh Circuit, and a member of the Bankruptcy Judges Advisory Group to the Administrative Offices of the U.S. Courts. Judge Grandy received her BS from Eastern Illinois University and her JD from the Saint Louis University School of Law.
Cindy M. Johnson is a Managing Member at Johnson Legal Group, LLC, in Chicago, where she focuses on creditors’ rights in bankruptcy and postjudgment enforcement. She is a member of the American Bankruptcy Institute, the National Association of Bankruptcy Trustees, the Illinois Creditors Bar Association, and the Commercial Banking, Collections, and Bankruptcy Section Council of the Illinois State Bar Association and was appointed to the panel of Chapter 7 bankruptcy trustees for the Northern District of Illinois in 2014. Ms. Johnson received her BA with honors from the University of Chicago and her JD from the Chicago-Kent College of Law.
Charles F. Kinzer is an associate at Geraci Law L.L.C. in Chicago, where he focuses his practice on bankruptcy. He was an Executive Board Member (2018 – 2022) and Chair (2021 – 2022) of the Chicago Bar Association’s Bankruptcy & Reorganization Committee, a member of the Northern District of Illinois Bankruptcy Liaison Committee (2021 – 2023), and a member of the Northern District of Illinois Pro Bono Committee (2023 – present). Mr. Kinzer received his AB from the University of Chicago and his JD from the University of Illinois College of Law.
Richard G. Larsen is a Partner at Springer Larsen, LLC, in Wheaton, where he focuses on bankruptcy and insolvency. He was the 2023 Chair of the Bankruptcy Section of the DuPage County Bar Association and is a member of the Kane County Bar Association. He was the winner of the ISBA Lincoln Award for Legal Writing in 1990. Mr. Larsen received his BA magna cum laude from Aurora University and his JD magna cum laude from the Northern Illinois University College of Law.
David P. Leibowitz is a Managing Member of Law Office of David P. Leibowitz, LLC — Lakelaw in Chicago, where he focuses his practice on bankruptcy. He is a recipient of the Excellence in Pro Bono Service Award from the U.S. District Court, Northern District of Illinois (2006); the Liberty Bell Award from the Circuit Court of the Nineteenth Judicial Circuit (2010); and the Annual Service Award from the American Bankruptcy Institute for his work with its Consumer Bankruptcy Extravaganza (2023). Mr. Leibowitz received his BA from Northwestern University and his JD cum laude from the Loyola University Chicago School of Law.
David Madden is the Managing Attorney at Madden Law LLC in Lisle, where he concentrates his practice in bankruptcy, commercial litigation, commercial collections, small business, and estate planning. He is a member of the National Association of Consumer Bankruptcy Attorneys, a Certified Information Privacy Professional of the International Association of Privacy Professionals, and a School Board Member of Woodridge School District 68. Mr. Madden received his BA from Michigan State University and his JD from the DePaul University College of Law.
Carolina Y. Sales is a Partner at Robbins DiMonte in Park Ridge, where she focuses on commercial litigation and bankruptcy. She is an Honoree for Crain’s Chicago Business 2024 Notable Women of Law and a member of the Chicago Bar Association Judicial Evaluation Committee in 2017 – 2025. She was named an Emerging Lawyer in 2018 – 2025 and a Leading Lawyer in 2021 – 2025. Ms. Sales received an Honors BA cum laude from Marquette University and her LLM with honors and her JD cum laude from the University of Illinois Chicago School of Law.
Catherine L. Steege is a Partner at Jenner & Block LLP in Chicago, where she concentrates her practice in bankruptcy and restructuring and bankruptcy litigation. She is a Fellow of the American College of Bankruptcy and a Conferee of the National Bankruptcy Conference. Ms. Steege received her BSJ from Northwestern University’s Medill School of Journalism and her JD from the DePaul University College of Law.
Justin R. Storer is a Partner at the Law Office of William J. Factor, Ltd., in Chicago, where he focuses his practice on bankruptcy. He is a member of the American Bankruptcy Institute and the Illinois State Bar Association. Mr. Storer earned his BS from Southern Illinois University Edwardsville and his JD from the DePaul University College of Law.
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