No legalese, no sales pitch. Just straight explanations of how bankruptcy and debt relief really work, written for people in St. Louis and St. Charles who are trying to figure out their next move.
May 24, 2016 · Bankruptcy
A fresh start for honest debtors — how bankruptcy frees people from the slavery of unmanageable debt.
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April 5, 2016 · Bankruptcy
When bills exceed income, payments fall behind, or lawsuits begin — the warning signs that it's time to consult an attorney.
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May 24, 2016 · Chapter 7
Property, income, and timing — the three tests that determine Chapter 7 eligibility.
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June 7, 2016 · Chapter 13
Chapter 13 as a consolidation tool — and how the means test decides which path is yours.
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June 10, 2016 · Foreclosure
Yes — Chapter 13 can stop foreclosures and repossessions in their tracks. Here's how the payment plan works.
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June 17, 2016 · Debt Collection
When creditors can't collect — protected income, asset exposure, and why filing may still make sense.
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August 10, 2016 · Bankruptcy Process
What happens at your meeting of creditors — and how to prepare for the trustee's questions.
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September 8, 2016 · Debt Basics
The difference matters: how each debt type is treated in Chapter 7 and Chapter 13.
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February 9, 2016 · Garnishment
Why doing nothing makes the problem worse — and how the automatic stay stops it cold.
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