Many people seeking the services of a St. Charles bankruptcy lawyer do so after suffering a serious injury at work. Many of these people lack health insurance through their employer and now find they have huge medical bills while lacking any ability to earn money. Worker’s Compensation benefits are available, but it can take years […]
Deciding to file bankruptcy is a big decision that many people struggle with for months upon months. They often explore every option possible to avoid bankruptcy. For some people, however, Chapter 7 or Chapter 13 bankruptcy is the best decision for them and their family. If you are considering bankruptcy, contact an attorney to learn
How Do I Know It Is Time To Consider Bankruptcy? Read More »
One of the most popular home loans for buyers of modest income is called an FHA loan. These loans are popular because they allow a person to put less money down when purchasing a home. A typical mortgage requires 20% down while an FHA loan requires as little as 3.5%. Obviously, this is appealing to
When a person has fallen behind on their bills, their credit score will ultimately take a major hit. This causes people to worry that they won’t be able to get a car, a mortgage, and other expenditures that require a decent credit score. In their haste, they turn a “credit repair company” that claims they
Many people deep in debt wonder what their life will be like after filing Chapter 7 bankruptcy. They may be afraid that they will be left penniless, unable to afford even the most basic things in life. They worry that they situation will be far worse after filing. The reality, however, is much different. For
When a person files Chapter 7 bankruptcy, one thing the court will look it is whether or not the debtor made a good faith effort to repay their debt. In other words, did they honestly intend to pay back the debt and make a real effort to do so. If the court finds that a
While everyone’s case is different, there are some common reasons that people tend to file bankruptcy. Far from simply being irresponsible or people who can’t manage money, they are actually good people who simply fell on bad times. The majority of bankruptcy filers simply hit a rough patch and fell behind on their bills. They
Debt can take many forms, and not all debt is created equally in the eyes of the law. For some people, the help of a St. Louis Chapter 7 Bankruptcy Attorney can provide a clean discharge of debt. Others, however, may find that they need Chapter 13 to get their debt under control. By speaking
Types of Debt Discharged in Chapter 7 Bankruptcy Read More »
As we shop for our loved ones this holiday seasons, it is important for families not to go overboard. We all want to buy lavish gifts to show our loved ones just how much they mean to us, but it is important to keep a budget and stick to it. There is no reason to
Some people are worried that filing bankruptcy will permanently ruin their credit score. They know that they need a minimum credit score in order to get a mortgage, auto loan, and other important lines of credit. They worry that their filing will permanently follow them around, barring them from this important money. Fortunately, filing bankruptcy
There are various reasons that people get into financial trouble ranging from job loss to simply getting behind on financial obligations. Managing a high debt burden while also trying to provide for yourself and your family can be very difficult. Fortunately bankruptcy can allow people who have unmanageable debt to start over by providing a
St. Louis Bankruptcy Attorney: Types of Debts Dischargeable in Chapter 7 Read More »
When a person has secured debt, it means that they have a loan that is connected to some piece of property. This property is repossessed or liquidated if the borrower can no longer pay. Bankruptcy cannot prevent this; however, Chapter 13 bankruptcy can potentially allow a person to keep their property while continuing to pay.
Secured Debt Explained by a St. Charles Debt Management Attorney Read More »
We are a debt relief agency. We help people file for bankruptcy relief under
the Bankruptcy Code.
