Tax Refunds

January 6, 2017

by Amy Jackson As tax season approaches knowing your rights regarding your tax refund when filing bankruptcy is of great importance.  There are several different factors when it comes to how to protect your tax refund in bankruptcy.  The type of bankruptcy you file, exemption laws, source of the refund, and timing of the filing […]

The Automatic Stay

November 18, 2016

by Paige Wright When you file a bankruptcy case, an “automatic stay” is put in place that legally protects you from any creditor attempting to collect money from you.  The automatic stay prevents creditor from calling yuo on the phone to collect money from you, sending you collection letters, suing you, and initiating or continuing […]

What Documents Will I Need to Provide at My Bankruptcy Filing?

November 4, 2016

by Audra Stania A big part of the struggle is over.  You’ve met with an attorney and have decided that bankruptcy is the best option for resolving your financial burdens.  Your attorney and the law firm will be available to you through the entire process but there is some leg work that has to be […]

Understanding the Means Test

October 31, 2016

by Amy Jackson When considering the chapter of bankruptcy that will most effectively offer relief from your debts one of the deciding factors is the means test. This income based test is calculated to determine if your income is above or below the average for your household size.   The United States Census Bureau collects data […]

How Does my Tax Refund Impact my Bankruptcy?

October 21, 2016

by Jesse Langford As the calendar creeps closer to the new year our office gets more and more questions regarding how a tax refund works in a bankruptcy. The bankruptcy code requires that debtors in a bankruptcy list “assets and liabilities” as of the date the bankruptcy case is filed. A future tax refund qualifies […]

What is a Reaffirmation Agreement?

October 7, 2016

by Paige Wright If you are considering filing for bankruptcy, you may have heard the phrase “reaffirmation agreement.”  A reaffirmation agreement is an agreement you may sign if you file a Chapter 7 bankruptcy that says you are going to keep a debt and continue paying it even though you have filed for bankruptcy relief. […]

Can My Student Loans be Discharged in Bankruptcy?

September 30, 2016

by Jesse Langford A bankruptcy discharges an individual’s debt unless the debt is of such a type that has been specifically designated by Congress as a non-dischargeable debt. The bankruptcy code states that an educational loan is deemed a non-dischargeable debt unless the educational loan would impose an undue hardship for either the debtor or […]

Break The Cycle of Payday Loans When You File Bankruptcy in Springfield Missouri

September 22, 2016

by Amy Jackson If you are an optimist, and many of us are, it is easy to think that a payday loan is the quick fix answer to a cash shortage. If you have found yourself borrowing money to repay a debt you may very well be in the vicious cycle of the payday loan. […]

The Differences Between Filing Chapter 7 and Chapter 13 Bankruptcy in Lebanon Missouri

August 26, 2016

by Paige Wright Typically, when people file bankruptcy, they file one of two different kinds of bankruptcy: Chapter 7 or Chapter 13. Chapter 7 is a liquidation bankruptcy. This means that you can discharge debts without payment to the court. However, if you have any non-exempt assets, or property, the property can be sold to […]

Can I Get a Phone Consultation About Filing Bankruptcy in Branson Missouri?

August 19, 2016

After you finally pick up the phone and make that call you’ve been dreading to get help with your debts, you’re probably wondering, “What happens next?” Anytime you call our office, the staff member answering the phone can answer most general questions for you. But the person answering the phone is most likely not going […]

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