If you’re thinking of bankruptcy, but you worry that everyone will know that you filed, the following are a pieces of information that I hope will ease your fears.  First, filing bankruptcy shouldn’t be a shameful process. Often times,  The federal government created bankruptcy so that hard working people like you can get a break when they face rough times, like a job loss or injury.

But if you’re still worried, you should know that there’s a good chance no one is going to publish anything about your bankruptcy unless you are a celebrity or you are a major corporation like GM or Chrysler. Small town newspapers don’t publish your information about consumer bankruptcy filings, and even if they did, who would really search through it everyday? Basically, unless you tell someone yourself, you owe someone money or you are co-signed on loans with them, your family and friends will never know that you filed. So, if you don’t want everyone you know to know you filed bankruptcy, you need to keep the information to yourself.
Bankruptcy paperwork is filed with the United States Bankruptcy Court. Credit bureaus and other informational companies use the data as well. So your creditors can easily find out that you filed bankruptcy. This is a very good thing when it comes to your creditors, because you want them to know you filed so that they will stop harassing you and your St. Louis bankruptcy attorney can get you on the right path toward the fresh start you deserve.

If you aren’t sure how to get out from under the mountains of bills quickly piling up, you may not need a Missouri bankruptcy lawyer, but what you do need is helpful information to arm you from harassing creditors and teach you about your financial options. That’s why my best advice is before you speak to an attorney, debt collectors, or sign any forms, you need to read my free book. “Get Out of Debt: Secrets Your Creditors Don’t Want You to Know” can give you the answers you need to start fresh financially.

The answer to this question is so simple:  by filing a Chapter 13 or Chapter 7 bankruptcy, you can immediately stop creditors from calling! You can do this (Remember: doing nothing changes nothing) once you have hired Castle Law Office:

1. When the phone rings and you see on the caller ID that it’s a bill collector ANSWER IT!
2. Tell the person on the line that you are

State Rapid Response Team to Help Those Laid Off by Hostess

State rapid response team, unemployment, job, layoff, hostess layoff, experienced bankrptcy lawyer, st. louis bankruptcy lawyer, get out of debt, missouri bankruptcy attorney, hostess lay off,

The State Rapid Response Team is ready to help employees who have been laid-off due to the closure of… Continue reading

When going out with friends and family, you can often feel forced to spend.  If you are under a tight budget or trying to stick to a financial plan, it can seem so hard to enjoy a night without having to worry.  As someone who has struggled with debt and a St. Louis bankruptcy attorney, I have some helpful suggestions for you to avoid overspending

Northwest Plaza is coming down. Construction on a new development is beginning and the Sears Automobile Center will be the first to be demolished.

In fact, 80 percent of the old mall is coming down to make room for a $106 million redevelopment.  St. Ann is hoping for new big-box stores, restaurants and a renovated JC Penney and Macy’s.  This means jobs!

However, if you’re unemployed now… Continue reading

If your finances are causing you stress and you feel like you are at the end of your rope, don’t despair-bankruptcy may be a solution. Bankruptcy can provide you a fresh financial start. Millions of Americans have filed bankruptcy, including many famous and successful people. In fact, many people have found their biggest success after bankruptcy.

Many of these people didn’t allow financial failure to define them as being… Continue reading

No, you legally do not need an attorney; however, you’ll find that if you do choose to represent yourself, you will be expected to understand and abide by bankruptcy law – which is very complex if you do not have any legal background and will be very time consuming.  There is a lot more to bankruptcy than just filing.  You have to be able to negotiate repayment terms, talk to… Continue reading

Spending method: cash
Works best for: Eating out and for small purchases.

Many folks find it hard to stick to a budget, but this tip will be helpful to do just that.  You put only a certain amount of cash in your wallet and when it’s gone, you’re finished shopping.  It raises awareness about exactly how much you have.  The only disadvantage is, of course, if it’s stolen, it… Continue reading

If you’re owed money by the bankrupt auto warranty sales firm US Fidelis, then according to CBS NEWS, you should be a step closer to getting your cash.  This good news came after a hearing at the Eagleton Courthouse downtown.

At the hearing, Federal Bankruptcy Judge Charles Rendlen III will consider whether to accept a plan to distribute the wealth collected from the company’s former owners, Darain and Cory… Continue reading

Is your home at risk for foreclosure? How will you tell your kids that you might have to live on the street? How will you provide food for your family?  Did you know that bankruptcy can stop foreclosure?  The power to say goodbye to your mortgage payment, the deficiency balance, and the rest of the bills that seem never ending is in your hands. The best thing to do… Continue reading