Bernard H. Owens III, Bankruptcy Attorney in Quincy, Illinois

Bernard concentrates on bankruptcy, business, contracts, creditor rights, and formation. Each area below outlines the kind of case Bernard handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Business

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• Contracts

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• Creditor Rights

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• Formation

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• Government

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• Litigation

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• Probate

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• Estate Planning

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Bernard's primary office is at 811 Maine St., Quincy, IL, 62301. 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 Bernard usually go, from the moment you request a consult to the day representation begins.

Bernard 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 Bernard for a bankruptcy case?

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

• Does Bernard offer a free consultation?

  Bernard charges for the initial consult; that fee is credited toward representation if you retain Bernard's office. Some bankruptcy attorneys offer free consults — check Bernard'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. Bernard gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Bernard take my case if I'm outside Quincy?

  Bernard 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 — Bernard 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 Bernard?

  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. Bernard will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Bernard accepting new bankruptcy clients right now?

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