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

More people lost their home to foreclosure in August than ever before. This might be because they don’t know how a chapter 13 bankruptcy can offer them protection from foreclosure. Continue reading

If you want to get credit card debt help by filing a chapter 7 bankruptcy, you will have to pass the chapter 7 means test. Continue reading

Generally, you will have to pay about $300 for court fees associated with filing a bankruptcy on your own in Missouri or Illinois, but you need to find out if you should really file on your own or find a St. Louis bankruptcy attorney. Continue reading

The government’s HAMP loan modification program might be hurting more families than helping them. Banks don’t want you to know what your options are, but we are going to tell you. Continue reading

Don’t go on Facebook without changing your privacy settings. You could be exposing yourself to the world–and all the people who you don’t want to find you. Continue reading