{"id":6203,"date":"2021-10-07T05:18:33","date_gmt":"2021-10-07T05:18:33","guid":{"rendered":"https:\/\/www.stephensfiddesmcgill.com\/?page_id=6203"},"modified":"2025-11-13T12:02:37","modified_gmt":"2025-11-13T12:02:37","slug":"chapter-13-bankruptcy-pekin-il","status":"publish","type":"page","link":"https:\/\/www.stephensfiddesmcgill.com\/chapter-13-bankruptcy-pekin-il\/","title":{"rendered":"Chapter 13 Bankruptcy Pekin IL"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6203\" class=\"elementor elementor-6203\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83ac4bc e-con-full e-flex e-con e-parent\" data-id=\"83ac4bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40bbf98 elementor-widget elementor-widget-shortcode\" data-id=\"40bbf98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"container\" data-elementor-id=\"9482\" class=\"elementor elementor-9482\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-390c5d78 e-con-full shortcode-back e-flex e-con e-parent\" data-id=\"390c5d78\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c07a58e e-con-full e-flex e-con e-parent\" data-id=\"c07a58e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28bccbe elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"28bccbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get a Hold on Your Finances with Chapter 13 Bankruptcy in Pekin IL<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9136784 e-con-full e-flex e-con e-child\" data-id=\"9136784\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-35d57e8 e-con-full e-flex e-con e-child\" data-id=\"35d57e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2015e0 elementor-widget elementor-widget-text-editor\" data-id=\"c2015e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We can\u2019t predict what the future holds. Sometimes, a bad accident can put you out of work. Or, unforeseen home repairs can begin to add up. In the end, you might be left with an insurmountable amount of debt with no reasonable way to manage it. And if you\u2019ve exhausted all other financial options, a\u00a0<a href=\"\/bankruptcy-attorneys-pekin-il\/\">bankruptcy<\/a>\u00a0filing might be your last choice. Thankfully, when it comes to Chapter 13\u00a0<a href=\"\/practice-area\/bankruptcy-law\/\">bankruptcy<\/a>\u00a0in Pekin IL, Stephens Fiddes McGill &amp; Associates, P.C. can lend a hand.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3ec068 elementor-widget elementor-widget-heading\" data-id=\"f3ec068\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What\u2019s Chapter 13 Bankruptcy?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a9568d elementor-widget elementor-widget-text-editor\" data-id=\"0a9568d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>While Chapter 7 involves liquidating assets to pay or forgive debt, Chapter 13 deals more with consolidating your debt. After filing for Chapter 13, all your debts are organized into one. You are then given a strict but manageable payment plan to help you pay off your debts within three to five years. Any debt remaining after your payment plan concludes is then discharged.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1694b4a e-con-full e-flex e-con e-child\" data-id=\"1694b4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0703179 height-image elementor-widget-tablet__width-inherit elementor-widget elementor-widget-image\" data-id=\"0703179\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.stephensfiddesmcgill.com\/wp-content\/uploads\/2025\/10\/bankruptcy-chapter-13-picture-id508338414.jpg\" class=\"attachment-full size-full wp-image-6221\" alt=\"Chapter 13 Bankruptcy paperwork in Pekin IL\" style=\"width:100%;height:66.67%;max-width:300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7b151f e-con-full e-flex e-con e-child\" data-id=\"f7b151f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d87d4b0 e-con-full e-flex e-con e-child\" data-id=\"d87d4b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e17f1e elementor-widget elementor-widget-heading\" data-id=\"4e17f1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What Can and Can\u2019t Be Consolidated\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-009ebf2 elementor-widget elementor-widget-text-editor\" data-id=\"009ebf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Of course, while Chapter 13 allows you to consolidate most debts, there are exceptions. However, you can take some relief, knowing\u00a0<strong>the majority of debts are covered<\/strong>. For example, Chapter 13\u00a0<a href=\"\/bankruptcy-lawyers-pekin-il\/\">bankruptcy<\/a>\u00a0consolidates or discharges:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-969fc1c e-grid e-con-full e-con e-child\" data-id=\"969fc1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d81426 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0d81426\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Medical Bills<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Lawsuit Judgements<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Medical Bills<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Some Divorce Proceeding Debts<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48be93a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"48be93a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Utility Bills<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Personal Loans<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Credit Card Debt<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Government Fines (Non-Criminal)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d760179 elementor-widget elementor-widget-text-editor\" data-id=\"d760179\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Conversely, there are some\u00a0<strong>debts you\u2019ll still be responsible for<\/strong>\u00a0outside of your Chapter 13 filing. These debts include:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f39689a e-grid e-con-full e-con e-child\" data-id=\"f39689a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99b4c30 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"99b4c30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Car Loans<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Alimony<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Student Loans<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a788bb9 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a788bb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home Mortgage<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Child Support<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Government Fines (Criminal)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b32405 e-con-full e-flex e-con e-parent\" data-id=\"6b32405\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f19bddf e-con-full e-flex e-con e-child\" data-id=\"f19bddf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-132c9b1 e-con-full e-flex e-con e-child\" data-id=\"132c9b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b7a510a e-con-full e-flex e-con e-child\" data-id=\"b7a510a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21db630 elementor-widget elementor-widget-heading\" data-id=\"21db630\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Chapter 13\u2019s Advantages and Disadvantages<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61a19c2 elementor-widget elementor-widget-text-editor\" data-id=\"61a19c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Before we decide on filing Chapter 13 bankruptcy in Pekin IL, Stephens Fiddes McGill &amp; Associates will run through every financial option with you. From negotiating with creditors to connecting you with credit counseling, there are avenues to explore before bankruptcy. However, if it comes down to filing, these are some of Chapter 13\u2019s advantages and disadvantages:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4b8ecc e-con-full e-flex e-con e-child\" data-id=\"f4b8ecc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-823dc6a e-con-full e-flex e-con e-child\" data-id=\"823dc6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3e3563b e-con-full e-flex e-con e-child\" data-id=\"3e3563b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eae6a5c elementor-widget elementor-widget-heading\" data-id=\"eae6a5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Advantages:<\/h4>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6d36dd e-grid e-con-full e-con e-child\" data-id=\"b6d36dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10381f3 elementor-laptop-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"10381f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Payments and terms are flexible<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You can keep what you\u2019re paying on (Cars, property, etc.)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">After you complete your payments, the remaining debt is forgiven<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3ff3e5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b3ff3e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Assents aren\u2019t liquidated<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You can repeatedly file for Chapter 13<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f8c411 elementor-widget elementor-widget-heading\" data-id=\"3f8c411\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Disadvantages:<\/h4>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3eec0c7 e-grid e-con-full e-con e-child\" data-id=\"3eec0c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-daa8fed elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"daa8fed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A significant time commitment<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You must commit all disposable income to make payments<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc06ec5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cc06ec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Payments must be made for risk of having your case dismissed<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"25\" height=\"25\" viewBox=\"0 0 25 25\" fill=\"none\"><g clip-path=\"url(#clip0_69_25)\"><path d=\"M25 2.86465C25 1.28441 23.7156 0 22.1354 0H2.86465C1.28441 0 0 1.28441 0 2.86465V22.1354C0 23.7156 1.28441 25 2.86465 25H22.1354C23.7156 25 25 23.7156 25 22.1354V2.86465Z\" fill=\"#154225\"><\/path><path d=\"M18.8354 8.37819C19.2426 8.78541 19.2426 9.44363 18.8354 9.85104L12.0645 16.6217C11.8614 16.8249 11.5947 16.9271 11.3281 16.9271C11.0614 16.9271 10.7948 16.8249 10.5917 16.6217L7.20631 13.2364C6.7989 12.8292 6.7989 12.1708 7.20631 11.7635C7.61353 11.3561 8.27176 11.3561 8.67917 11.7635L11.3281 14.4125L17.3626 8.37819C17.7698 7.97078 18.428 7.97078 18.8354 8.37819Z\" fill=\"#FEBF00\"><\/path><\/g><defs><clipPath id=\"clip0_69_25\"><rect width=\"25\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Your credit score will be significantly impacted<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-928567f e-con-full e-flex e-con e-child\" data-id=\"928567f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-460fc2f height-image elementor-widget-tablet__width-inherit elementor-widget elementor-widget-image\" data-id=\"460fc2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.stephensfiddesmcgill.com\/wp-content\/uploads\/2025\/10\/top-view-on-a-student-with-bunch-of-overdue-bills-picture-id684216488.jpg\" class=\"attachment-full size-full wp-image-6222\" alt=\"\" style=\"width:100%;height:66.67%;max-width:300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-236af83 e-con-full e-flex e-con e-child\" data-id=\"236af83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e36e2ee elementor-widget elementor-widget-heading\" data-id=\"e36e2ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Call Today<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-467d9d0 elementor-widget elementor-widget-text-editor\" data-id=\"467d9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019re on the fence about whether you should file for Chapter 13 bankruptcy in Pekin IL, allow the professionals at Stephens Fiddes McGill &amp; Associates, P.C. to be your guide. Or, to learn more about our additional legal services, you can call us today at\u00a0<a href=\"tel:3096375297\">309-637-5297<\/a>. Also, our office is located at 456 Fulton St, Ste 222, Peoria, IL 61602.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Get a Hold on Your Finances with Chapter 13 Bankruptcy in Pekin IL We can\u2019t predict what the future holds. Sometimes, a bad accident can put you out of work. Or, unforeseen home repairs can begin to add up. In the end, you might be left with an insurmountable amount of debt with no reasonable&hellip; <a class=\"more-link\" href=\"https:\/\/www.stephensfiddesmcgill.com\/chapter-13-bankruptcy-pekin-il\/\">Continue reading <span class=\"screen-reader-text\">Chapter 13 Bankruptcy Pekin IL<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-6203","page","type-page","status-publish","hentry","entry"],"_links":{"self":[{"href":"https:\/\/www.stephensfiddesmcgill.com\/wp-json\/wp\/v2\/pages\/6203","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stephensfiddesmcgill.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.stephensfiddesmcgill.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.stephensfiddesmcgill.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stephensfiddesmcgill.com\/wp-json\/wp\/v2\/comments?post=6203"}],"version-history":[{"count":5,"href":"https:\/\/www.stephensfiddesmcgill.com\/wp-json\/wp\/v2\/pages\/6203\/revisions"}],"predecessor-version":[{"id":9644,"href":"https:\/\/www.stephensfiddesmcgill.com\/wp-json\/wp\/v2\/pages\/6203\/revisions\/9644"}],"wp:attachment":[{"href":"https:\/\/www.stephensfiddesmcgill.com\/wp-json\/wp\/v2\/media?parent=6203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}