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

Facing the truth about the relationship between you and your credit card can be hard. It’s always there for you when you need it—but is that what it’s really being used for? 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

An article that I read addresses a concern I’ve tried to address for years: Foreclosure doesn’t just affect you, it affects everyone around you. The most heart wrenching part is that it affects our innocent children. We typically think of divorce or family quarrels as the hardest for children to understand but it isn’t just our marriage problems that are causing trouble for the kids in America.

Experts… Continue reading

Recently, my insurance agent passed this on to me by email.  I see people every day that are at the end of their financial rope and come to be to learn how to file bankruptcy. I thought this story was very similar to what my clients need to keep in mind as they go through a difficult stretch in their life.

One day a young lady was… Continue reading

The most important bills that come after family and home are your utility bills. After you’ve kept up on your mortgage or rent, it is important to keep your home livable. Paying your minimum utility payments will at least help you avoid your utilities being disconnected.

Next, pay the bills associated

Missouri Governor Jay Nixon signed into law requiring anyone purchasing a home in foreclosure to give tenants notice before evicting them.  In many cases, landlords that own rental properties are falling behind on mortgage payments and having the property foreclosed on by the lender.  The problem is when these landlords have tenants in the property that are current in their rent and suddenly get an eviction notice when the property… Continue reading