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

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

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… 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

So how do you make the most of it once you’ve file for bankruptcy? You may not realize it, but chances are your credit score has improved.

It may be hard to believe given the nature of bankruptcy, but most of our clients actually see their credit score improve after filing bankruptcy. This is just further proof that bankruptcy doesn’t hurt your credit. It’s important that you don’t

Essentially, you can file for Chapter 13 bankruptcy basically every four years, while you are able to file for Chapter 7 bankruptcy generally every eight years. Having said that, it is important to understand that while bankruptcy is an important and occasionally vital tool, it is a tool that should be used sparingly and sensibly.

Of course, the reason that it is legal to file for bankruptcy more