With such a volatile job market, it seems that the competition is at its peak. In fact, some employers have started doing credit checks on their potential employees before hiring. Does that mean a bankruptcy filing on your credit history will stop you from getting a job?

By the time you are ready to file with a St. Louis bankruptcy attorney, your debt and payment history has probably already… Continue reading

There are really two different questions at work here. The first is whether or not your bankruptcy will negatively affect your credit score and the second is how long it will affect your credit score. While a bankruptcy can legally stay on your credit history for up to 10 years, there is no straight forward answer as to how your score will be affected.

Let’s address the first question… Continue reading

Your livelihood is defined as your means of support or subsistence, but it doesn’t only mean your job. What are all the things that you need to survive? Most people would find that along with their jobs, they need their families and personal health and happiness to live the life they want to live. And while Missouri or Illinois bankruptcy affects your livelihood in many aspects, it may not be… Continue reading

Incurring more debt during or after your Missouri or Illinois bankruptcy can be a dangerous move if you aren’t being cautious. For many, it is a one-way ticket back into debt. However, there may be some situations that make it the right move. So, what precautions should you take if you want to incur more debt?

If you are in the life of your Missouri or Illinois Chapter 13… Continue reading

Filing Missouri or Illinois bankruptcy for a second time may be possible—but it is it wise? Often, people in debt feel as though they can always rely on bankruptcy to rescue them from a bad situation. While bankruptcy can provide you with a fresh start, filing again may not be as easy as you think.

The circumstances that often lead us to bankruptcy are unpleasant ones. Can you imagine… Continue reading

The hard part is often not making a budget, it is sticking to it. It is easy to think, “Oh, I’ll just put some money away next paycheck,” or, “I’ll figure out how to afford this later!” Unfortunately, once you start breaking the rules, you’re on a fast track to getting right back into debt.

So, what are the big rules to follow when you are trying to… Continue reading

Life after bankruptcy can really be all you dreamed. You no longer have to see a portion of your paycheck taken in a garnishment. You no longer have to live in fear that your car or house will be sold out from under you. You no longer have to put up with incessant calls from your creditors. Continue reading

Congratulations. You’ve taken the hardest step. You’ve raised your hand and asked for help from an experienced St. Louis, Missouri or Fairview, Heights Illinois bankruptcy attorney. But, now that you’ve gotten your fresh start, how do you make the most of it? Certainly, making sure your job is safe and sound is one of the first steps you can take to make sure that you never have to be in that position with debt again. So, how do you explain bankruptcy to your employer? Continue reading

Getting a job after bankruptcy is usually at the top of the list of concerns for anyone that first comes to my office. The truth is that filing Chapter 7 or Chapter 13 bankruptcy in Missouri or Illinois doesn’t prevent you from getting job—and it does more positive things for your life than you probably expected.

Looking for a job in this economy is no easy task and you… Continue reading

Before you even file Chapter 7 or Chapter 13 bankruptcy, it is natural to wonder what life afterwards will be like. After all, many of the myths that people believe to be true about bankruptcy tend to focus on life afterwards. The good news is there is life after bankruptcy but how good that life can be depends on a few factors—one of the biggest being your choice in Missouri or Illinois bankruptcy attorney. It may be hard for me to just tell you what a relief it will be to get protection from foreclosure, credit card debt help, and stop your wage garnishment from a St. Louis law firm you can trust. So, why don’t you hear it from the very people who know? Continue reading