Fonfrias Law Group LLC.

70 West Madison
Suite 1400
Chicago, Illinois 60602, United States
Contact: Richard Fonfrias
Phone: 312-969-0730
Fax: 312-624-7954
Areas of Practice
  • Bankruptcy
  • Debtor/Creditor
  • Family Law

2 Government Programs Help You Modify Your Home Loan; If You Qualify, “Illinois Hardest Hit” Even Makes Your Payments For You

If you are facing an Illinois foreclosure, here’s where you might get foreclosure help. Not long ago, you were hard pressed to get any help with your house payments. But today you have realistic options: Home loan…more
 /  Administrative Law, Consumer Protection, Finance & Banking, Real Estate - Residential

Bankruptcy Might Help if Unpaid Parking Tickets Result in Your Driver’s License Suspension

Recently the police ticketed a woman for driving with a suspended driver’s license. She discovered that her driver’s license had been suspended because of her unpaid parking tickets. This lady asked me how her license…more
 /  Administrative Law, Bankruptcy

Yes, It’s Possible! You Can File a Chapter 7 Bankruptcy While You Earn $1,000,000 Per Month

How can this be true? It boils down to what types of debt you have. In a bankruptcy proceeding, debts are considered either consumer debts or non-consumer debts. If you can prove to the court that more than half of…more
 /  Bankruptcy

You Get Less Bankruptcy Protection Each Time You File

Filing for bankruptcy may sound like a solution to your financial problems, and it can be. But if you don’t follow the rules – and there are many – you could find yourself making costly mistakes. The result?…more
 /  Bankruptcy

7 Ways You Can Avoid Foreclosure

OPTION #1: Refinance. This means you receive a new loan at a lower interest rate or with other favorable terms, which makes your house payment easier to afford. Note, however, that banks will often add past due payments,…more
 /  Finance & Banking, Real Estate - Residential

Your Home Equity Loan - or Second Mortgage - May Now Be Unsecured. Here's Why.

When the housing bubble popped, most homes went down in value. Some went way down! As a result, your home's value may be equal to (or even less than) the amount of your first mortgage. This means, for practical purposes,…more
 /  Bankruptcy, Finance & Banking, Real Estate - Residential

File For Bankruptcy While Your Bills Are Current And You'll Have More Options

Many consumers think that they must fall behind on their bills and be in arrears before they can file for bankruptcy. Not so. In fact, you're in a stronger position - and you have more options - if you file for bankruptcy…more
 /  Bankruptcy

How Bankruptcy Protects You From Your Lender During Foreclosure

Homeowners are quickly discovering the importance of hiring an experienced bankruptcy lawyer to defend them against mortgage foreclosures by lenders. And if you are facing foreclosure - or if your lender has already filed a…more
 /  Bankruptcy, Civil Remedies, Commercial Law & Contracts, Finance & Banking, Real Estate - Residential

Why You May Owe Money to a Company You've Never Done Business With - and How to Get Rid of the Debt Forever

If you have a past-due account that a creditor has charged off - which means that the creditor has written off your account as a bad debt - you may discover that a collection agency still tries to get you to pay the debt…more
 /  Finance & Banking

Your Credit Score Greatly Affects Your Loan Interest - Here's How.

Most people don't know it -- but their credit score plays a major role in determining the interest rate on a new loan. People often conclude that if they apply for and get a loan, they have good credit. Not true. Many people…more
 /  Commercial Law & Contracts, Finance & Banking

How To Raise Your Credit Score After a Bankruptcy

If you manage your credit well after filing for bankruptcy, a FICO score in the 700s is possible. Here are steps you can take to improve your credit score and build a good credit score rating after a bankruptcy. Step #1:…more
 /  Bankruptcy, Finance & Banking

You Can Eliminate Medical Bills In Bankruptcy

As health care costs and hospital bills continue to skyrocket, more and more families face medical bills they can't even begin to pay. And in spite of new legislation and talk about universal health care coverage, the fact…more
 /  Bankruptcy, Health

7 Costly Misconceptions About Mortgage Loan Modifications

COSTLY MISCONCEPTION #1: You are not eligible for a loan modification until you are late paying your mortgage. Not true. Your lender or loan servicer will probably give you more attention if you are late, but there's no hard and…more
 /  Bankruptcy, Commercial Law & Contracts, Finance & Banking, Real Estate - Residential

Bankruptcy Q & A: What Happens at My 341 Meeting of Creditors?

First, don't be afraid of your 341 hearing. Here's what you can expect. In most cases, the only people who attend a 341 meeting of creditors are you, your lawyer, and a bankruptcy trustee -- or someone in place of your…more
 /  Bankruptcy

Bankruptcy Q & A: Converting a Chapter 13 Bankruptcy to a Chapter 7

QUESTION My husband and I earned too much money to file a Chapter 7 bankruptcy. As a result, we filed for Chapter 13. We surrendered our home to the lender and then my husband lost his job. Then our bankruptcy was dismissed…more
 /  Bankruptcy
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