Located in Rockford, Illinois, the law firm of Jeffrey A Bivens, P.C. concentrates in consumer representation in bankruptcy matters. Mr. Bivens has been a lawyer for more than 16 years, 7 of those as an attorney for the Bankruptcy Hotline. He handles both Chapter 7 and Chapter 13 cases. He has helped thousands of people obtain a fresh start on their financial futures. If you are considering bankruptcy, you will need sound legal advice. The Bankruptcy Reform Act of 2005 has vastly complicated the process by imposing mandatory credit counseling, the need to take and pass a class on personal financial management, and having to pass a Means Test in order to file a Chapter 7. If you are looking to eliminate your debt or to save your home from foreclosure, chances are that Mr. Bivens can help you accomplish your goals. The fees for his services are among the lowest in the area. Call today for a free, no-obligation consultation.