Toby Kovalivker, Bankruptcy Attorney in Chicago, Illinois

Toby concentrates on bankruptcy, creditor rights, foreclosure, real estate, and tax. Each area below outlines the kind of case Toby handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Creditor Rights

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• Foreclosure

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• Real Estate

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• Tax

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Toby's primary office is at 203 N. La Salle Street, Suite 2100, Chicago, IL, 60601. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Toby usually go, from the moment you request a consult to the day representation begins.

Toby discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Toby for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Toby walks through the likely range during the consult so there are no surprises.

• Does Toby offer a free consultation?

  Toby charges for the initial consult; that fee is credited toward representation if you retain Toby's office. Some bankruptcy attorneys offer free consults — check Toby's current terms during booking.

• How long do bankruptcy cases in Illinois typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Toby gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Toby take my case if I'm outside Chicago?

  Toby is licensed in Illinois. Matters governed by Illinois law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Toby will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Toby?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Toby will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Toby accepting new bankruptcy clients right now?

  Toby's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.