Important Legal Stuff & Disclaimers

1. This is a legal advertisement for Illinois residents only. It is not legal advice to you. To form an attorney-client relationship with attorney Robert J Skowronski you must sign a retainer agreement and fund a downpayment. Always hire an attorney to review your personal situation and options before undertaking any action noted in this advertisement.

2. The person responsible for the content on this website is Robert J Skowronski, a licensed Illinois Attorney and United States Federal Debt Relief Agent. Attorney Skowronski has been licensed as an Illinois attorney, in good standing and with no demerits, since 2006. He helps good people get out of debt with the help of Illinois Laws, the United States Bankruptcy Code, and the United States Civil Code.

3. All financial contents on this website (including, but not limited to, figures, amounts, calculations, projections, totals, estimates, interest rates, minimum monthly payment, total interest costs, years in debt, monthly savings, total savings, years in payment saved, etc.), are good faith estimates / "ball-park" projections only. The calculations are not exact figures. They may or may not simulate your situation, your results, and/or outcomes. In reality, each person usually has several credit cards and personal loans with several different interest rates, which may be higher or lower than the current average interest noted herein. Some credit cards even have multiple rates. Additionally, most credit cards set their minimum monthly payment to pay 1% of the balance, while some others require the monthly minimum payment to pay a different amount, such as 2% of the balance. Also, some credit cards set their base monthly payment at $25, while others set a higher base monthly payment such as $35. Our projections assumed a credit card which charges an average rate of compound interest of 24%, with a minimum payment paying 1% of the balance each month, with a base payment of $25. Our calculations also assumed you are paying the minimum monthly payments each month, without defaulting on your monthly payments or overpaying the minimum required amount. The calculations are not exact, but rather good faith averages/estimates. The amounts stated should be close to accurate for you, but in some cases, they may not be. Monthly savings also vary because as credit card balances are paid down each month, the next month's minimum monthly payment is reduced, while in a consolidation the payment does not change. Therefore, the monthly savings differ over time. Still, however you slice it, you do save a ton of money in most cases by consolidating your debt to 0% interest. When you meet with Attorney Skowronski, he will evaluate your specific situation and, based on that, give you accurate projections.

4. The average credit card interest rate was taken from lendingtree.com on Feb 16, 2025 (https://www.lendingtree.com/credit-cards/average-credit-card-interest-rate-in-america/) and was specifically 24.21%. We rounded down. As lendingtree.com is considered a reliable source, no effort was made to double check lendingtree.com's statements concerning this average. Every credit card has slightly different rates, averages are weighted/counted differently, and the average changes daily. Additionally, interest rates, monthly payments, and policies, of most credit cards, can and do change over time. Therefore, at the time you view this website, the average interest rate and resulting calculations (ex. monthly savings) may be incorrect and may have already changed for better or worse.

5. In the section entitled "the Solution" the monthly consolidation payment and total repaid in consolidation are generally the highest amount you would have to pay if you were qualified to consolidate at 0% interest. In most cases, however, you actually pay less for a variety of reasons. Thus, in most cases, you will actually save more monthly and in total by consolidating to a 0% intrest rate than this website states.

6. This website contains only a simplified version, aka the "big picture," of the consolidation process. It does not include all of the steps involved in the process and does not portend to be an exhaustive database of everything you should know or be aware of about consolidation. When you meet with Attorney Skowronski and review your situation in detail, he will discuss the process in detail and what you should know before you sign a retainer agreement and pay for our services.

7. The photo of woman cutting up a credit card is a stock photo. It does not portray an actual client.

8. The photos of the people in the client results section are of actual clients. They are not actors. These clients signed authorizations allowing us to discuss their situations and cases, and to use their photos and video recordings in our advertising. Because they used their time to come to our office for the purpose of taking photos, creating videos, and because they allowed us to use their images, statements, and information about their situation and cases in our advertisement, it was only fair that they were paid a nominal amount.

9. Ralph & Mariana's original consolidation monthly payment was $1,700.83 per month. However, some of their creditors failed to file claims. Under US law, most creditors who do not file a claim by the deadline (i.e. 70 days) are wiped out, as if they were fully paid, when the consolidation is completed. Therefore, we modified and reduced their consolidation payment and their actual consolidation payment was reduced to $1,575.00 per month begining in the fourth month of their plan. As such, they both saved more by consolidating to a 0% interest rate than this website states.

10. Client reviews placed with Google, the Better Business Bureau, Avvo, Yelp, etc. are from real clients. These are real opinions and reviews from real clients. Clients are not paid for leaving their reviews on these sites.

11. Not everyone is qualified to consolidate their debt to 0% interest. A small minority of people are not qualified. However, after our initial consultation, I'll be able to tell if you are or not qualified to reduce your interest rate to 0%.

12. The terms consolidation, consolidation to 0% interest, and chapter 13 bankrutpcy are used interchangably on this website. They are one and the same thing, synonyms if you will. This website is not an advertisemnt for consolidation loans, as they generally do not help get you out of debt.

13. In our experience, most clients can generally purchase a car almost immediately after their consolidation is filed. For homes loans, clients generally have to wait a year to two years after their consolidation is filed, to qualify for a mortgage. The decision to lend to any client, however, is up to creditors. As such, we are not representing that you will be able to get such loans, just that many clients in our experience have been able to qualify for such loans during their consolidations.

14. The statement regarding credit scores is based upon the experience of a number of our clients who have given us written authorization to monitor their credit scores through creditkarma.com, which reports credit scores through Transunion and Experian. Based on these clients, what we have found was that in general clients who follow our advice and had bad credit scores (ex. 500 - 600) before their consolidations were submitted, generally saw their credit scores improve during the consolidation, whereas clients who followed our advice and had good credit scores (ex. 700+) before their consolidation were submitted, generally saw little change in their credit scores during the consolidation. Your experience may be same or different, partially because everyone's credit score is based on so many factors, not just the consolidation. Further, we have no control or influence upon a client's credit scores as these are proprietary products of the credit bureaus who keep their algorithms secret. Because of this we can only tell you what generally happens at the time this disclaimer was written (i.e Feb 2025), not what will happen to you. Finally, the credit bureaus can change their algorithms and policies at any time, meaning our observations are only generally accurate as of when this disclaimer was written (Feb 2025).