The first question I often get when someone comes into my office is, “When will those creditors stop calling?” When you come in to discuss filing a chapter 7 or chapter 13 bankruptcy, you can be free from creditors calls the moment retain me. And no, I’m not a miracle worker. An experienced bankruptcy attorney is just able to use the law to help you get peace of mind.

So how does it work? We have a “creditor line” to which all of your creditors will be referred. Any questions they have or comments they may need to make to you can be taken care of by our office. Make sure you ask any attorney you’re thinking of hiring if they provide this extra service to help you while you are preparing to file your case. I think you’ll find that most don’t.

All you need to do to prevent harassing creditor calls is call to set up a consultation. The appointment is free—but not having to live in fear of who is on the other end of your phone line may be priceless.

It’s a big decision to file for bankruptcy – and it takes a significant amount of thought and planning to take the first step. But as you examine your finances and make a plan for the future, there are a few things you should absolutely avoid in the weeks and months before filing for St. Louis bankruptcy:

•    Don’t

Will bankruptcy affect your job? There is actually protection built into the bankruptcy code for your job. There is a specific part to the code that stops an employer from firing you solely for filing bankruptcy. Keep in mind that Missouri is an “at-will employment” state, which means that your boss can terminate your employment for any reason they like… Continue reading

I’m sure you’d like to purchase a home for less than the amount that it’s worth, and save yourself some money, right? If you’re looking into purchasing a short sale property, then you may be able to do just that. Purchasing a short sale property is fairly easy, but there are a few things you want to watch out for. As… Continue reading

The culture of St. Louis invites you to consider the entire metro-area as “St. Louis.” The truth is the Mississippi divides us and changes the laws we must follow, including the rules and regulations for bankruptcy. To add to the confusion, many of us live in Illinois and work in Missouri or vice-versa. So, if you spend time in both states… Continue reading

As a St. Louis bankruptcy attorney, I have potential clients come to me asking about wage garnishment laws. That’s not as easy of answer as one might think because in our area people come to see me from two different states that have different regulations when it comes to wage garnishments. I can give you the different rates… Continue reading

Why you SHOULDN’T EVER borrow money to pay off debts to avoid Missouri bankruptcy! Continue reading

No is a word that a bankruptcy attorney will not often use, especially if they offer low rates. Should attorneys say no a little more often? Maybe. So if an attorney is inclined to decline, what reasons would they have to make this decision? Here are a few:

Cases with no real debt

If you don’t have debt then why are you looking to file… 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

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