One of the biggest benefits of filing Missouri or Illinois bankruptcy is the peace of mind you get when you’ve finally freed yourself from debt—and that includes freedom from your creditors! You no longer have to live in fear of who will be on the other end of the phone.

Your creditors are prevented from contacting you because of the automatic stay. Federal bankruptcy law demands that creditors… Continue reading

If something is reported inaccurately on your credit report, you want to dispute it, because it can be reflected in your credit score. The federal government allows you to dispute any errors that you notice on your credit report, but how do you know what is considered an error?

Below are some of the things you should… 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

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

You might know what to expect if you’re filing your tax return after bankruptcy, even if you’re not expecting a refund. As a bankruptcy lawyer, I try to make sure my clients are getting all of their tax forms filled out properly.

You want to make sure you avoid these common mistakes regarding your income taxes, these are according to the IRS.

1. Claiming the wrong filing… Continue reading

When you receive your bankruptcy discharge, being a Missouri bankruptcy attorney, I understand the first thing you would like to start doing is rebuilding your credit. Does bankruptcy ruin your chance of opening a brand new checking account? Absolutely not! Having a checking account gives you the ability to write checks and pay your bills on time, and a bankruptcy should not keep you from doing this.

To rebuild… Continue reading

If you’ve filed for Missouri Chapter 13 bankruptcy before, you’re probably aware it will take between 3 and 5 years to receive your bankruptcy discharge if you satisfy all the requirement of your Chapter 13 plan. In the meantime you’ll have an automatic stay protecting you from creditors who would otherwise be harassing you. In order to get to the finish line though, it’s a good idea to stay… Continue reading

Most people own a credit card for “emergencies,” (REAL emergencies, not the It’s-Christmas-and-I-forgot-to-pick-up-a-present-for-my-dog variety). If you are responsible enough to only use this credit card for emergencies, good for you. As a bankruptcy attorney I love nothing more than getting to see my clients take advantage of the new beginning bankruptcy has given them. Seeing people behave responsibly with their money is always great. But if you

Can I rent a home or apartment after a Chapter 7 bankruptcy? Yes, you can, in fact, a St. Louis bankruptcy may be able to help you get a better credit score! Continue reading