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According to the National Association of Realtors, six out of 10 homeowners wish they had a better understanding of their mortgage terms or details. The Association also notes that six out of every 10 homeowners who are facing foreclosure do not know of the help their mortgage companies may be able to provide. With these facts in mind, David Chang, a partner at Chang and Carlin, LLP (http://www.changandcarlin.com/), announced his legal firm's real estate law services.

Bankruptcy filings in the United States continue to drop, falling 13 percent in 2013, according to the American Bankruptcy Institute. Business bankruptcies dropped by 24 percent, bringing them to their lowest level since 2006, yet many businesses and families continue to struggle with debt and find they need to consider filing for bankruptcy in Chicago Illinois. "When one feels they have no other options available to handle overwhelming debt, bankruptcy attorneys at Chang and Carlin LLP will be happy to assist the business or individual as they move through the legal process involved with the filing," David Chang of Chang and Carlin, LLP explains.

While much of the nation is seeing drops in the joblessness rates, the city of Chicago continues to report in at 9.1, or two percentage points higher than the national average. The situation is worse in the city where 10.3 of the residents were jobless and looking, according to statistics released by the Bureau of Labor. These numbers, for the third straight month, beat out Los Angeles for the highest unemployment amid the top metro areas in population. With these high unemployment numbers in mind, David Chang of Chang and Carlin LLP, a Chicago Bankruptcy law firm, says Chapter 7 and Chapter 13 bankruptcy are often the answer for those who've lost one or both of their family's incomes, to re-structure their debt.