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.

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

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

Recent emails leaked by a former Bank of America employee may contribute to the suspicion that loan documents were altered to force borrowers into illegal foreclosures. Continue reading

If you are considering bankruptcy, I’m sure you’ve seen the term Means Test mentioned on my site. You might be thinking, so how exactly does this relate to me? In the beginning, when you are first considering filing bankruptcy, the Means Test can determine if you can file Chapter 13 or Chapter 7.

If you file Chapter 13, as a Missouri bankruptcy lawyer, once i determine your… Continue reading

The federal courts really do care about helping families experiencing hardship, like a recent case proves, allowing debtors to keep their social security income. Continue reading

More people lost their home to foreclosure in August than ever before. This might be because they don’t know how a chapter 13 bankruptcy can offer them protection from foreclosure. Continue reading

The Home Affordable Foreclosure Alternatives program (HAFA) released new rules for short sales. Families facing foreclosure will want to find out how the new preapproved terms of sale eligibility requirements affect their home. Continue reading

You can walk away from your home if you have a Missouri Chapter 13 bankruptcy. Continue reading

New supreme court ruling is in favor of debtors! The courts are on your side. Continue reading