When a person has overwhelming amounts of debt, it can seem almost impossible to get caught up. Fortunately, there are certain strategies that a person can employ that will help them attack their debt and potentially get caught up. As a St. Louis Bankruptcy Lawyer, there are several strategies a person can use, but one […]
Strategies for Repaying Debt from a St. Louis Bankruptcy Lawyer Read More »
Most people are well aware that filing bankruptcy will cause them to take a hit on their credit score. They know that it may be difficult to get credit cards and other loans for a period, but they wonder how long it will take to get their credit score back to normal. The answer depends
How Long Will it Take to Repair My Credit After Bankruptcy? Read More »
In 2005, the bankruptcy laws were changed to make it more difficult for people declaring bankruptcy to file Chapter 7, which completely discharges many forms of debt. Rather, many people, wage earners especially, will be pushed in Chapter 13 bankruptcy which provides some relief but still requires some kind of repayment. As a St. Louis
Debt Discharge From St. Louis Chapter 13 Bankruptcy Attorney Read More »
When people are behind on their bills, they know that creditors will call them constantly trying to collect. They will call first thing in the morning and late into the evening, trying to get their money. Every time the phone rings, it creates a new sense of dread in the debtor. They know they owe
Some people, in the anticipation of the death of a loved one, seek to file bankruptcy to get their debt under control. They know that there is something in the estate for them and the worry that their debt will consumer most of this inheritance. There are rules, however, about inheriting money so quickly after
Inheritance and Bankruptcy Explained by a St. Louis Chapter 7 Lawyer Read More »
There are many ads for debt consolidation services that promise to help a person get their debts in order and even lower monthly payments. They are touted as an alternative to bankruptcy, allowing a person to get current on their bills while keeping their credit intact. Before speaking with one of these companies, speak with
Should I Consolidate Debt Instead of Using a St. Louis Bankruptcy Attorney? Read More »
When a person has a serious debt problem, they need a plan for how to attack it. The first step in this process is to create budget worksheet that gives them an overview of their financial situation. This can help you get an idea of exactly where your money is going and how you can
Some people worry that filing bankruptcy may result in them losing their job. They worry that their employer might question their trustworthiness due to this filing. Fortunately, a person cannot be fired from their job for filing for bankruptcy. Therefore a person should not hesitate to speak with a bankruptcy attorney about their debt due
Many Americans spend every day thinking about how they are going to come up with enough money to pay their bills.
When a parent dies, it is not uncommon for them to leave behind some unpaid bills. These might include some unpaid credit card debt or unpaid medical bills that need to be resolved. The estate is responsible for paying back these creditors from any assets the estate may have. If the estate has no assets,
Ten years ago this October, Congress passed a major overhaul of the bankruptcy code. Called the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), it was an effort to curb what lawmakers deemed “abuses” of the bankruptcy system. A decade later, the effectiveness of this law is difficult to measure. As a bankruptcy
Examining the Effectiveness of Bankruptcy Reform Read More »
Many people seeking the services of a St. Charles bankruptcy lawyer do so after suffering a serious injury at work. Many of these people lack health insurance through their employer and now find they have huge medical bills while lacking any ability to earn money. Worker’s Compensation benefits are available, but it can take years
We are a debt relief agency. We help people file for bankruptcy relief under
the Bankruptcy Code.
