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.

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

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

Forgiveness can mean a lot of things. As a bankruptcy attorney I often see it as forgiveness of debts as well as in the Christian sense of forgiveness.

Often times Christians feel guilty about their decision to seek the protection of bankruptcy,;the reason for this is that they feel their creditors deserve to be paid. However, these two concepts of forgiveness are quite similar. Under Biblical law, in fact… Continue reading

The Chapter 7 means test is required to find out if you are eligible for a Southern Illinois Chapter 7 bankruptcy. The Chapter 7 means test consists of two parts. Even if you don’t qualify for a Chapter 7 bankruptcy, a great Illinois bankruptcy attorney can help you get a Chapter 13 bankruptcy instead. Continue reading

Debt management companies are often times misleading and potentially disastrous for your financial future. A St. Louis bankruptcy lawyer might be a better option. Continue reading

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

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

Hard times are make children less healthy because families are forced to buy unhealthy food rather than no food. A Missouri or Illinois Chapter 7 bankruptcy may be one solution to the problem. Continue reading

Tax time is rarely a happy time for anyone. Having to take a full look at your financial situation makes you feel the effects of the economy more so than ever before. By April 15th, I think we’ll have a clear picture of just how hard this economy hit the families of Missouri and Illinois in 2009. Continue reading