Helping Chicago Get Out of Debt Since 1991 Falling behind on debt is unsettling for any person or family. No one wants unpaid bills piling up, but circumstances sometimes make it impossible for hard-working people to get ahead. The end result often leads to the embarrassment caused by harassing phone calls from creditors, car repossessions, garnishment of wages, home foreclosures, and even lawsuits. Fortunately, the law recognizes that honest people often get caught in the quicksand of debt, and filing for bankruptcy offers hope for future financial stability.