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Should I File For Bankruptcy Or Divorce First?

Bankruptcy, Chapter 13, Chapter 7, divorce

Many people may be lead to filing for bankruptcy because of a divorce or impending divorce. However, they may not consider if it is more beneficial to file for bankruptcy or divorce first. By taking some steps to plan your actions, you may be able to make your bankruptcy and possibly your divorce less complicated. […]

Handling Child Support Arrears

Bankruptcy, child support arrears, debt collection, St. Charles, St. Louis

Child support obligations are one of the nondischargeable debts some may have to deal with in bankruptcy. If you owe child support arrears, your child’s other parent has many ways to collect the money from you. He or she may head to court and ask a judge to issue a judgement for the child support […]

What To Expect For Bankruptcy Filing Fees

Bankruptcy, Chapter 13, Chapter 7

Many people worry that even if they want to file for bankruptcy, there is no way they can afford to. While there are bankruptcy filing fees and other fees associated with bankruptcy, but there are ways to work with the courts to make it possible should you choose that path. There is usually a filing fee […]

Rebuilding Your Credit After Bankruptcy

Bankruptcy, Chapter 13, Chapter 7, Missouri

After you’ve filed for bankruptcy and finished the process, you can start to look toward the future. You need to take steps to rebuilding your credit. Although it may be difficult, it is not impossible. It may be like getting your first job in some ways. Although you had no experience, you finally did get […]

Keep Your Holiday Spending Under Control

Bankruptcy

The most wonderful time of the year can quickly turn into the most expensive time of the year. For many families, there is more of everything. More presents, travel, parties, food and festivities. Holiday spending can get out of hand quickly. If you are already struggling with mounting debt it is imperative to tackle December […]

Nondischargeable Debts

Bankruptcy, Chapter 13, Chapter 7, Missouri

Although many debts are dischargeable when a person files bankruptcy, the U.S. Bankruptcy Code lists many debts that remain nondischargeable debts. These debts either come from improper behavior of some type or are nondischargeable because of the nature of the debt. In very rare cases, these debts may be dischargeable. However in most cases, a […]

Reaffirmation Of A Debt

Bankruptcy, debt collection, Missouri

An agreement between a creditor and a debtor agreeing to be liable and continue to pay money owed even after a bankruptcy proceeding has concluded is known as reaffirmation. Usually, you do not want to reaffirm an old debt, especially in bankruptcy. Despite this, creditors encourage reaffirmation before and during a bankruptcy because they know […]

Handling Debt Collector Calls

debt collection, Missouri

As a consumer, it is important to stay calm if a debt collector calls. You have many ways to handle the calls, including asking them to stop contacting you. The Fair Debt Collection Practices Act (FDCPA) makes it illegal for collectors harass, oppress or abuse you or anyone else they call about a debt. When […]

Understanding Discharge In Bankruptcy

Bankruptcy, Chapter 7, debt collection, Missouri

If you are considering bankruptcy, you should learn as much as you can before beginning the process in order to make an informed decision. A key reason many seek out bankruptcy, is to discharge any outstanding debts they may carry. When you file a chapter 7 petition, the goal is to discharge most of the […]

State Statute of Limitations for Old Debts

debt collection, Missouri

Once a debt surpasses the statute of limitations in Missouri, a debt collector loses the right to sue you for payment. Any debt collector threatening to sue you beyond that statute of limitation has violated the Fair Debt Collection Practices Act. Although you may still have a moral obligation to pay off the debt, you […]