Missouri and Illinois bankruptcy is more diverse than you probably think! There are several chapters, each designed for a slightly different situation. There is even a kind of Missouri and Illinois that is meant to help farmers and fisherman! But when it comes to reorganization for an individual, there is a particular chapter: Missouri and Illinois Chapter 13 bankruptcy.

So, where do you find an attorney who specializes in reorganization? Well, you find a St. Louis bankruptcy attorney! But not just any St. Louis bankruptcy attorney—you’ll want to find a great one if you are reorganizing your debt.

In a Chapter 13, you develop a Chapter 13 payment plan which repays your creditors over a 3 to 5 year period. Many debts can even be eliminated completely! One of the easiest ways to mess up your Chapter 13, however, is to hire a cheap St. Louis bankruptcy attorney.

You see, a St. Louis bankruptcy attorney’s fees are regulated by the court. What does that mean? Most St. Louis bankruptcy attorneys charge around the same amount. Anyone who offers a really cheap price is probably hiding one of two things: he or she doesn’t plan on doing much work or he or she doesn’t have enough experience to know what to charge.

Need help finding the right St. Louis bankruptcy attorney? Request a free copy of my Illinois and Missouri bankruptcy book, “Get Out of Debt: Secrets Your Creditors Don’t Want You to Know,” to learn the tricks of the trade!

When people come to see me about filing Chapter 7 bankruptcy they generally have one thing in common: They need help fast. Being way over your head in debt is never fun, but just knowing that relief is in sight helps.

In fact, the moment your case is filed, the benefits begin. You don’t just want to be able to put a roof over your family’s head and food… Continue reading

An experienced Bankruptcy attorney will tell you it’s a good idea to keep one credit card even after filing bankruptcy, you may ask why? This is because a cash-only existence doesn’t always provide for emergencies. I usually recommend my clients get one credit card to use responsibly after they receive their discharge.

That means for regular, necessary expenses and emergencies only (as I have often explained to… Continue reading

Doing a credit check before hiring someone is a little more common than it used to be—and if you’ve filed bankruptcy in Missouri or Illinois, you may be worried about how it will look to a potential employer. However, here are three reasons that can help you relax:

1. Filing with a St. Louis bankruptcy attorney isn’t as uncommon as you think. 1.4 million people filed bankruptcy

Creditor calls can often go too far because debtors don’t know their rights in the situation. Read about what creditors can and can’t do when they are trying to receive payments from you, it may surprise you. Continue reading

Millions of American families qualify for the Earned Income Tax Credit but don’t receive it, according to the Internal Revenue Service. The Earned Income Tax Credit (EITC) is plainly for working individuals that don’t have a high source of income, and around 15-25% of families are not collecting the credit.

The EITC was initially put in place by Congress to attempt to make up for the burden of Social… Continue reading

As a Fairview Heights bankruptcy lawyer, I see the same mistakes made by clients all the time. To add to my series of articles on bankruptcy mistakes, another slip-up I see occur often is people waiting too long to file for bankruptcy. You may think that waiting to file is the best route you can take, and it is possible that you may not need a Fairview Heights bankruptcy… Continue reading

Any bankruptcy attorney can tell you about the toll debt takes on a family. We see it everyday when we’re helping our clients deal with it. Now that foreclosure rates are at an all time high, keeping your family’s home has been moved to the top of your to-do list. But what a lot of people don’t realize is that foreclosure from a mortgage isn’t the only thing that… Continue reading

Unless you’ve been living under a rock, you’ve probably heard that four major banks have suspended foreclosures in quite a few states, if not all. Bank of America and PNC have halted foreclosures in all 50 states and GMAC and JP Morgan Chase have done so in 23 states. Why? They’re all being investigated for notarizing foreclosure documents without reading or verifying information, among other things, which may have

You’ve found a great bankruptcy attorney, completed all the necessary steps to get your debt discharged, and taken control of your finances. After all of that, one of your old creditors calls you demanding that you make paymetns on a debt that was included in your bankruptcy.

Holy Flashback, Batman!

If the debt in question was included in your discharge, then it’s all pretty simple: they can’t… Continue reading