• The Young and the Homeless

    An increase in the number of people needing foreclosure help combined with a lack of affordable housing and a state unemployment rate higher than the national average has led to an increase in youth homelessness in Chicago, the Chicago News Cooperative reported on November 4, 2011. Chicago Public Schools data for September showed a record high of 10,660 homeless students enrolled in Chicago’s classrooms this fall, a 16 percent increase over last year.

    Chicago is entering the ninth year of a 10-year Plan to End Homelessness, but the Cooperative noted that the initiative overlooked the young homeless people who can be most vulnerable when living on the streets ever since then-Mayor Richard M. Daley started the program in 2003. With most initiatives concentrating on the chronically homeless and people with disabilities, the city is now working on a new strategy for ending homelessness in Chicago without a 10-year deadline. According to the Cooperative, the Chicago Alliance to End Homelessness identified two “special populations” for particular attention: youth and ex-offenders.

    If you are facing foreclosure and trying to keep your home so your kids will not end up on the streets, a bankruptcy means test could be your first step toward ending creditor harassment. Our Chicago bankruptcy lawyer can help you set up your own Chapter 7 or Chapter 13 plan that will allow you to keep your home and reestablish credit.

    Benjamin Brand Services – Chicago bankruptcy attorney

  • Knock Knock, Foreclosure Help Going Door-To-Door

    Chicago area homeowners in need of foreclosure help and wanting to save their property could soon have help right at their doorsteps. According to a story from Medill Reports published on November 3, 2011, Interfaith Housing Center of the Northern Suburbs will dispatch outreach workers to houses that have received foreclosure notices as part of a door-to-door campaign. The goal is to help homeowners in foreclosure take advantage of free legal services and housing advice through the Circuit Court of Cook County Foreclosure Mediation Program.

    “We’ve been around since 1972 and people still don’t know we exist,” Interfaith executive director Gail Schechter told Medill. According to a report by the Circuit Court of Cook County, outreach workers made nearly 22,000 home visits between July 2010 and March 2011, leading to 1,923 people engaging in the free program. Medill said the report shows 64 percent of participants in the Foreclosure Mediation Program reach an agreement with their bank that “is mutually acceptable to all sides.”

    If you have already looked into free programs to no avail, then you should know that filing for bankruptcy could also be a first step toward keeping your home and getting your finances in order. Our Chicago bankruptcy lawyer can help you in filing for Chapter 7 or Chapter 13 bankruptcy that can keep your family in your house and end debt collector harassment.

    Benjamin Brand Services – Chicago bankruptcy attorney