St. Louis Bankruptcy

Chapter 7 is the only type of bankruptcy case which people ever successfully DIY. Still, failure rates are high. 62% of people who attempt bankruptcy on their own aren’t going to get their discharge, or will suffer significant losses in the process of filing. In short, you need a lawyer. Even if you think your…

Are debt collectors driving you crazy? Getting call after call can be emotionally distressing and mentally exhausting. Did you know you don’t have to put up with it? You have rights. Here are some ways to get debt collectors off your back. Tell them to stop contacting you. Scrupulous debt collectors who are trying to…

Foreclosure is one of the most frightening financial situations you’ll ever face. It’s important to understand how the process works and what you can do about it. Armed with this information, you can consider next steps. Steps in a Missouri Foreclosure The process technically begins when you miss your first payment. Once this happens, you’ve…

As bankruptcy attorneys in St. Louis, we often encounter potential clients who are very nervous about declaring bankruptcy. They’ve been told for years that they’ll “never be able to get credit ever again.” But nothing could be further from the truth. You’ll be surprised to learn what really happens to your credit report after your…

The traditional image of a collection agent has them hounding you over the phone. Calling at home. Calling at work.   What you may not know is they can text you and email you, too.   The FDCPA has not changed with the times.   The Fair Debt Collection Practices Act first passed in 1977.…

If anyone you love cosigned on a loan so you could get a house, buy a car, rent an apartment or make some other purchase it’s important to know exactly how bankruptcy could impact them. And once they’re on, while it’s not impossible to get them off the loan, it can be very hard. Many…

The Internet is usually a wonderful resource, but sometimes it doesn’t do people any favors. It has, for example, convinced people who are already scared and in a state of financial distress to save some money by attempting to represent themselves in bankruptcy cases (the legal term is ‘filing pro se’). And this has done…