Legal Info & Disclaimers
(Effective Date: 01.01.2026)

1. General: This Legal Info & Disclaimers page explains certain legal notices, limitations, disclosures, and disclaimers regarding the websites owned and operated by The Law Offices of Robert J. Skowronski, Ltd. ("Firm," "we," "our," or "us"). This page should be read together with our Privacy Policy, Cookie Policy, and Text Messaging Policy. These documents supplement one another and, together, govern your use of our websites and communications with our Firm. This website is a legal advertisement intended solely for Illinois residents residing in the counties of Cook, DuPage, Lake, Kane, Will, Kendall, Grundy, and LaSalle. The information contained on this website is general in nature, is not legal advice, and does not create an attorney-client relationship. An attorney-client relationship is formed only after the Firm affirmatively agrees to represent you, you sign a retainer agreement, and any required fee arrangements have been satisfied

2. Advertisement Owner: The person responsible for the content on this website is Robert J. Skowronski, a licensed Illinois attorney and federally designated debt relief agent. Attorney Skowronski has been licensed as an Illinois attorney, in good standing and without disciplinary action, since 2006. He helps good people get out of debt through the assistance of Illinois law, the United States Bankruptcy Code, and other applicable federal and state law.

3. Bankruptcy Advertisement: This website constitutes a legal advertisement concerning bankruptcy.

4. Website is an Oversimplification of Bankruptcy: This website contains an intentionally simplified explanation of bankruptcy, the qualifications for filing bankruptcy, the lawsuits and legal actions that may be stopped or affected by bankruptcy, the debts that may be discharged, the property that may be protected, and the bankruptcy process generally. It is not intended to be a complete explanation of bankruptcy law, Illinois law, and other applicable federal and state law. Although the information presented may be accurate in general, it may not be accurate or applicable to your particular circumstances. You should not rely upon this website as a substitute for obtaining legal advice from an experienced bankruptcy attorney who has reviewed your individual situation.

5. Stopping Lawsuits & Legal Action: Not all lawsuits, judgments, liens, garnishments, bank freezes, or other legal enforcement actions can be stopped or discharged through bankruptcy. Some legal actions may only be temporarily suspended and may resume after a bankruptcy case is filed or completed. Whether bankruptcy affects a particular legal proceeding depends upon numerous legal and factual considerations. During your consultation, attorney Skowronski will explain how bankruptcy may affect your specific lawsuits, debts, judgments, liens, garnishments, bank freeze, or other legal matters.

6. Dischargeable Debt: Not all debts can be discharged through bankruptcy. Whether a particular debt is dischargeable depends upon numerous legal and factual considerations. During your consultation, attorney Skowronski will explain which of your debts may be discharged and which debts may survive bankruptcy based upon your particular circumstances.

7. Bankruptcy Process: This website provides only a generalized overview of the bankruptcy process. It is not intended to describe every step, requirement, timeline, or possible outcome that may arise in every bankruptcy case. Some cases require additional procedures while others are comparatively simple. During your consultation, attorney Skowronski will explain the expected process and timeline applicable to your particular case.

8. Protected Property: This website discusses property that may be protected in bankruptcy. Whether particular property is protected depends upon numerous factors, including but not limited to the chapter of bankruptcy filed, the property's value, outstanding liens, ownership interests, exemptions available under applicable law, the purpose for which the property is used, and when it was acquired. In a Chapter 13 case, property generally is not liquidated by the Trustee for distribution to creditors. In a Chapter 7 case, exempt property generally may be retained, while non-exempt property may be sold by the Trustee for the benefit of creditors. This website does not contain a complete explanation of bankruptcy exemptions or asset protection. During your consultation, attorney Skowronski will explain whether your property is protected and whether any assets may be at risk.

9. Client Photos & Remuneration: The individuals appearing in the client results section are actual clients and not actors. These clients signed written authorizations allowing us to discuss their situations and cases and to use their photographs, videos, statements, and related information in our advertising. Because these clients spent time participating in photography and video recording and permitted us to use their likenesses and experiences, they were paid a nominal amount for their time. Past results do not guarantee similar outcomes, and your results may differ.

10. Client Reviews: Reviews appearing on Google, the Better Business Bureau, Avvo, Yelp, and similar platforms are submitted by actual clients. Clients are not paid for posting reviews on those third-party websites.

11. Qualification for Bankruptcy: Qualification for bankruptcy depends upon numerous legal and factual considerations. Although household income is an important factor in determining eligibility for Chapter 7 bankruptcy, it is not the only consideration. Likewise, being above or below the applicable median income does not automatically determine whether you do or do not qualify for Chapter 7 or Chapter 13 bankruptcy. During your consultation, attorney Skowronski will analyze your complete financial situation and advise whether you qualify for bankruptcy relief and, if so, under which chapter.