About Us The Bankruptcy Clinic, P.C. has 3 locations. We are in Carbondale, Marion, and Mt. Vernon, IL. Our goal here at the Bankruptcy Clinic is to help you get the second chance to which you are entitled. We understand that sometimes bad things happen to good people. You may have recently been laid off, had some sort of health problems that your insurance did not cover, or things just generally got out of hand. Thats okay. The law has provided a way, a perfectly legitimate, legal, and honorable way to stop foreclosures, repossessions, lawsuits, garnishments, and to stop annoying phone calls from debt collectors. The federal bankruptcy laws were provided for people like you to help you get back on your feet again, and we here at the Bankruptcy Clinic want to help. Many people in the credit industry do not particularly want you to know about the bankruptcy laws and will deploy a virtual onslaught of threats, halftruths, and outright lies to prevent you from seeking the fresh start that you deserve. They may threaten everything from lawsuits to complete credit blackballing. We can help you seek the protection of the Bankruptcy Court in order to prevent such mean and spiteful tactics. The truth of the matter is that you can rebuild your credit. There is life after bankruptcy. Your job is to take that first step to a fresh start. We are that first step. Contact us at or call us at one of our convenient Southern Illinois locations. Sincerely, Jay Howd Attorney at Law