Steve Can Help You Thru Hard Times

“I have known the Costello’s for years. Steve helped me through some very hard times. I have since referred many people to him and they are always happy I did.”

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Our Office is Local & Close to You. Local, Experienced & Here For You.

“It is great to have my lawyer’s office nearby with a staff. It beats having to go to Chicago or Schaumburg all the time.”

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We Can Even Stop the IRS Nightmare

“We had a business that went down in flames in a huge financial disaster. Our house was pledged to the bank for some of the business loans. Steve helped us save our house from the banks even though we were no longer in business. He stopped the IRS too.”

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Medical Bills Piling Up? Unburden Yourself from Medical Debts

“Steve represented my wife and I many years ago. So many years later, after I had health problems, Steve helped us deal with the medical and other debts we had.”

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Why not one of those TV bankruptcy lawyers? They promise it all and seem so cheap…

“We went to one of the TV bankruptcy lawyers. They didn’t want to spend any time with us. Then we went to Steve and he was patient, understanding and willing to answer all of our questions.”

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We’re in Northern Illinois to Serve You

We're located in Carpentersville, Illinois and serve all surrounding areas in Northern Illinois including (but not limited to) Algonquin, Crystal Lake, East & West Dundee, Elgin, South Elgin, Lake in the Hills.
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Free Bankruptcy Consultation

Are you a business owner, individual or family facing tough times and have considered bankruptcy? Have questions and looking for a local and experienced bankruptcy attorney? You've come to the right place. Get started today with a FREE Bankruptcy Consultation.



O'Neal Oblifias
"Stephen and his staff did a terrific job helping me file for bankruptcy. Very informative and helpful every step of the way. I couldn't be happier with the results they got me. It never once felt like I was filing for bankruptcy."

David Weddell
"Filed ch7 bankruptcy and they handled everything flawlessly. Any questions I had were answered promptly and courteously. This was a difficult time for us and Costello & Costello made it much easier to deal with. I would gladly recommend them to anyone who is in need of their services."

Tracy W.
"Costello and Costello is a great firm and if your like me who fell on hard times during our countries worst recession in a hundred years, Steve Costello got me back on my feet and I cant say enough as to how great they are to work with.

I highly recommend them for all your legal matters, for example he helped my wife with a small personal car incident at a local car wash that damaged her car.


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Bankruptcy Laws and How They Affect You

For the most part, bankruptcy today is not much different than it was before the “New” law went into effect. The great majority of people that filed bankruptcy before the “New” law, could still file bankruptcy today. You can still file bankruptcy and not lose your house and car.

What has changed? Mostly paperwork and other routine requirements. You are required to talk to a credit counselor before you file bankruptcy. We will let you know which credit counselors are “approved” pre-bankruptcy credit counselors. This can be done in person, on the phone or on the internet. You will have to give us copies of paychecks and tax returns. We will let know exactly what we need for this. After your bankruptcy is filed you will be required to have a session of Debtor education. Once again, this can be done in person, on the phone or on the internet.

You must qualify to file Chapter 7 bankruptcy. Most people who are need of bankruptcy will qualify. I advise that you NOT try to see if you qualify on your own. This can be a complex step and needs to be done right. This is what we do. We have done this many times before and upon your first consultation I can give you an opinion as to your qualification.