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.

Will bankruptcy affect your job? There is actually protection built into the bankruptcy code for your job. There is a specific part to the code that stops an employer from firing you solely for filing bankruptcy. Keep in mind that Missouri is an “at-will employment” state, which means that your boss can terminate your employment for any reason they like… Continue reading

I’m sure you’d like to purchase a home for less than the amount that it’s worth, and save yourself some money, right? If you’re looking into purchasing a short sale property, then you may be able to do just that. Purchasing a short sale property is fairly easy, but there are a few things you want to watch out for. As… Continue reading

One of the biggest benefits of filing Missouri or Illinois bankruptcy is the peace of mind you get when you’ve finally freed yourself from debt—and that includes freedom from your creditors! You no longer have to live in fear of who will be on the other end of the phone.

Your creditors are prevented from contacting you because of the automatic stay. Federal bankruptcy law demands that creditors… Continue reading

The culture of St. Louis invites you to consider the entire metro-area as “St. Louis.” The truth is the Mississippi divides us and changes the laws we must follow, including the rules and regulations for bankruptcy. To add to the confusion, many of us live in Illinois and work in Missouri or vice-versa. So, if you spend time in both states… Continue reading

Why you SHOULDN’T EVER borrow money to pay off debts to avoid Missouri bankruptcy! Continue reading

If you are facing auto repossession, don’t wait till the repo man takes your car–call a St. Louis bankruptcy attorney! Continue reading

Doing a credit check before hiring someone is a little more common than it used to be—and if you’ve filed bankruptcy in Missouri or Illinois, you may be worried about how it will look to a potential employer. However, here are three reasons that can help you relax:

1. Filing with a St. Louis bankruptcy attorney isn’t as uncommon as you think. 1.4 million people filed bankruptcy

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

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