Everybody knows debt is stressful, but do you know the health consequences of that stress? Debt stress syndrome is a serious disorder. Find more information on ways to get out of debt like a Missouri Chapter 7 or Chapter 13 bankruptcy. Continue reading

Loan modification isn’t what its expected to be. Not that many people are getting approved, and more are canceling. It might be appropriate to file for Chapter 13 bankruptcy instead to protect your home from foreclosure. Continue reading

Three reasons why a St. Louis bankruptcy attorney might be a better option than some others. Continue reading

A Chapter 7 in Missouri or Illinois is what people typically think of for a bankruptcy. It is a “straight” bankruptcy, meaning your unsecured debts can be eliminated in as little as 90 days. A Chapter 13 is actually reorganization, allowing you to repay certain creditors over a longer period of time, and is typically for people who have more property that they want to keep. So, if you… Continue reading

CitiMortgage has continued their suspension of foreclosures through January 17th but other lenders may not be as generous. Bank of America and Chase have only suspended foreclosures through January 3rd. And I’m sure there were plenty of borrowers who woke up Monday morning to the harsh reality of 2010: their very own foreclosure notice. Needless to say, it isn’t a good way to start the New Year. And foreclosures aren’t even expected to peak until the end of 2010. So, what’s your next move? Continue reading

After your family, your job is one of the most important things to protect. It is, after all, your livelihood. For that exact reason, the bankruptcy code has built in protections for your job. The code actually prohibits employers for firing you solely because you filed bankruptcy. Continue reading

Receiving a notice that your home is going into foreclosure can be absolutely devastating. While debt is hard to move through, foreclosure makes you feel like you no longer have any moves to make. The good news is you’ve still got options after you receive a notice of foreclosure. So what is the most important advice I can give you after 15 years of experience? Don’t Wait.

I’m… Continue reading

Bankruptcy, for most, means getting back to the basics. Relieving your debt makes it easier to focus on the things that make you happy. If that includes church and God for you, then you may be wondering: Will I be able to afford to give back to my church?

Yes! Both chapter 7 and chapter 13 bankruptcy allow a debtor to include a certain amount for “charitable contributions.”… Continue reading

The first question I often get when someone comes into my office is, “When will those %$#@! creditors stop calling?” The answer? The moment you retain me. We can take care of the harassing creditor calls that wake you up at night and bother you all day. And no, I’m not a miracle worker. An experienced bankruptcy attorney is just able to use the law to help you get… Continue reading

When suffering from debt, most folks look for an option that will be the least painful—and that is often bankruptcy. But why do people choose to file themselves? Some think it will save them money while others think that it may make it easier to keep secret. Are they right?

While the bankruptcy paperwork may seem simple enough, there are quite a few mistakes that can be made when… Continue reading