Being under crushing amounts of debt is not a comfortable position. Unfortunately, your creditors won’t stop until you’ve turned over every penny you have. You have to deal with harassing creditor calls, wage garnishments, and constant threat to your property—like repossession.

What is involved in car repossession? If you default on your car loan with late or missing payments, your lender most likely has the power to take the… Continue reading

Sometimes the hardest part about Missouri and Illinois bankruptcy is finding good, reliable information about it! The internet is full of directories, homemade websites, and self proclaimed authorities who are just dying to give you information on Chapter 7 bankruptcy. If you are trying to avoid the mass of misinformation that’s available, how should you start researching your Chapter 7 questions?

A good rule of thumb is to… Continue reading

It is easy to see all the obstacles to filing Missouri or Illinois bankruptcy before you take the plunge. When you are under crushing amounts of debt, it seems as though nothing is easy. But is it really that hard to file bankruptcy?

If you choose an inexperienced St. Louis bankruptcy attorney or decide that you want to file by yourself, you could very well have a hard… 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

Deciding on a St. Louis bankruptcy attorney involves a bit of work. Does he or she have good case results? What do his or her clients have to say about the service? Does he or she provide you with enough free information? However, once you’ve sorted through the credentials and chosen an attorney, what should you expect from him or her?

There are two things that need… Continue reading

Life after Chapter 13 bankruptcy in Missouri and Illinois can be a real relief. You don’t have wage garnishments, you don’t fear repossession, you no longer need protection from foreclosure, and creditors aren’t waking you up at all hours of the night. However, in order to continue to live a life of peace, you must continue to play by the rules throughout the life of your bankruptcy.

We’ve… Continue reading

What is a wage garnishment? A wage garnishment is a common tactic used by creditors in an attempt to collect a debt where they take a portion of your paycheck.

According to Missouri wage garnishment laws, creditors can take up to 25% of your paycheck or 10% if you are head of household. According to Illinois wage garnishment laws, creditors can take 15% of your paycheck, regardless of… Continue reading

If you are suffering from collectors harassing you day and night, calling you at work, and talking to your relatives, you are probably wondering if they have any rules at all. Collectors do, in fact, have a set of rules to follow under the Fair Debt Collection Practices Act.

The FDCPA was created under the Consumer Credit Protection Act and is designed to protect people in debt from

The Castle Law Community Involvement Team gets another strike! This month, Castle Law Office entered two teams in the Big Brothers Big Sisters of Eastern Missouri fundraiser, “Bowl for Kid’s Sake.” The event was designed to raise money to help match kids with their big brothers or sisters.  

Together, the Castle Law teams raised $2818.89 and took home the second place award for individual fundraising. The event… Continue reading

If you are thinking of filing Missouri or Illinois bankruptcy, you may have a lot of questions. How can you get your creditors to stop harassing you and your family? How will Missouri or Illinois bankruptcy affect your credit? Will you lose everything you own?

Sometimes, however, you just want to know the big question: Is filing bankruptcy the end of the world?

Like many other questions… Continue reading