There isn’t a day that goes by that I don’t appreciate my clients in some new way. I want them to come away from their first bankruptcy filing with the tools they need to be successful. I simply hope that they never have to be in overwhelming amounts of debt again. Asking for protection from foreclosure, credit card debt help, and relief from creditors is certainly hard enough the first time. Continue reading

Unfortunately, divorce and debt problems are often related. Credit card debt notices, harassing creditor calls, or wage garnishments may have just been the “straw that broke the camel’s back.” But most people find that divorce doesn’t erase their credit card debt or remove their garnishment and some take responsibility and file for bankruptcy. While being divorced doesn’t necessarily make a bankruptcy harder, there are different precautions that must be taken when dealing with an ex that your experienced Missouri bankruptcy lawyer should be prepared to handle. 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

There are now very few things you can’t pay for by the swipe of a card. Just recently, church offerings and Salvation Army donations joined the list. While at first it sounds like a new convenience, what is this change really saying about us?

Putting everything on a delayed payment plan has become a completely accepted practice. I’m sure it comes as no surprise that it’s getting people

The act is coming in waves—with the first having already started almost a month ago. The Credit Card Accountability, Responsibility, and Disclosure Act attempts to keep credit card companies from using those all too familiar tactics that credit card companies use to keep us paying the premium rates.

Credit card companies are limited on when they can raise their rates. It can only happen after a promotional rate… Continue reading

I’m sure you get tons of credit card offers in the mail just like me. They all come with tempting offers of low interest rates and no annual fees. I even am convinced to take some of them out of the envelope and read them. Ultimately, I decide against most of them. If you are having trouble “just saying no,” here are some suggestions you might want to think about… Continue reading

According to an article from ABC news, credit card companies will be heavily restricted in marketing student credit cards on college campuses in Illinois. Governor Quinn signed the new piece of legislation on Tuesday. The law will restrict credit card companies from giving out free gifts to encourage students to apply for the card. It also states that any