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

Most people own a credit card for “emergencies,” (REAL emergencies, not the It’s-Christmas-and-I-forgot-to-pick-up-a-present-for-my-dog variety). If you are responsible enough to only use this credit card for emergencies, good for you. As a bankruptcy attorney I love nothing more than getting to see my clients take advantage of the new beginning bankruptcy has given them. Seeing people behave responsibly with their money is always great. But if you

With each day, week or month that passes by, your creditors will probably find a new way to kick it up a notch. That could result in wage garnishments, harassing calls, or even a lien on your home. You may be thinking that a lien doesn’t sound as bad as some of the other things you’ve suffered from your creditors. Unfortunately, a lien isn’t just a piece of paper—if your… Continue reading

With each day, week or month that passes by, your creditors will probably find a new way to kick it up a notch. That could result in wage garnishments, harassing calls, or even a lien on your home. You may be thinking that a lien doesn’t sound as bad as some of the other things you’ve suffered from your creditors. Unfortunately, a lien isn’t just a piece of paper—if your… Continue reading

Wait just a minute! Taking money out of retirement funds could be highly detrimental to your financial future—and won’t necessarily get you out of debt! Here are three reasons that taking money out of retirement funds to get credit card debt help or help with your other debts might be a bad idea:

1. Taking out the money to make minimum payments won’t really help you. Making minimum

The federal courts really do care about helping families experiencing hardship, like a recent case proves, allowing debtors to keep their social security income. Continue reading