Amy Wells Joins Francis Mailman Soumilas as Of Counsel, further expanding the national focus of Wells Law Chicago.

Completing a Chapter 13 bankruptcy is no small achievement. Unlike Chapter 7’s relatively quick discharge, Chapter 13 demands years of steady payments, discipline, and financial focus. Debtors commit to a court-approved repayment plan—often while juggling mortgages, car loans, and everyday living expenses. Understanding how this multi-year process impacts your credit reporting is essential to protecting the progress you’ve worked so hard to build.