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Chapter 7 Bankruptcy for Medical Debt: What You Need to Know

Medical debt can hit you at a time when you are particularly vulnerable – sick and unable to work. When you are in a serious medical crisis, it’s more important to get well than to worry about how you are going to pay your bills; but when doctors and hospitals go after you for payments that you can’t afford to make, you are left in a terrible situation.

There is a way out. While no one wants to have to declare bankruptcy, Chapter 7 bankruptcy can be an effective way to eliminate medical debt and allow you to get back on your feet again with a fresh financial start. An experienced Missouri bankruptcy lawyer can help evaluate your situation and determine if bankruptcy is you [...]

Avoiding Bankruptcy Scams in Missouri: Protect Yourself

When your debts and unpaid bills have become overwhelming and you are considering filing for bankruptcy, you are very vulnerable to being a victim of bankruptcy scams. Bankruptcy scams are fraudulent schemes that attempt to take advantage of people facing financial difficulties, and they can also be perpetrated by people who try to abuse the bankruptcy system. Scam victims find themselves bilked out of their money, and they still face the dire consequences of not being able to pay their bills.

Anyone facing the prospect of bankruptcy should be wary of any offer that seems too good to be true, tries to sell you unnecessary products and services, or makes outlandish promises to tu [...]

Chapter 12 Bankruptcy in Missouri: Relief for Family Farmers & Fishermen

Farmers and fishermen face special challenges such as extreme weather and seasonal fluctuations that can negatively impact their income, so it is not uncommon for them to wind up in debt and unable to meet their bills. With the knowledge of how important these industries are to the economy and taking into account the unique nature of their businesses and income cycles, the United States Bankruptcy Code has created a special type of bankruptcy – Chapter 12 -- that makes it easier for them to get out of debt.

Understanding Chapter 12 Bankruptcy

Chapter 12 bankruptcy is for family farmers and fishermen who have “regular annual income” from their operations and wis [...]

Chapter 7 Bankruptcy in Missouri: A Fresh Start Guide

If you find yourself overwhelmed with debt, being harassed by creditors, and faced with the possibility of losing your home and possessions, Chapter 7 bankruptcy may be the answer you need to get a fresh financial start.  While no one wants to be in a position of having to file for bankruptcy, it is a legal way to have many debts discharged (eliminated) and give you the breathing space you need to begin rebuilding your life.

How do you know if bankruptcy is right for you?  An experienced Missouri bankruptcy attorney can help you explore your options and determine whether bankruptcy or some other debt-relief option is best in your individual situation. To get started, it is imp [...]

Is Chapter 11 Bankruptcy Right for Your Missouri Business?

You have worked hard to build your Missouri business, but have run into some snags and find yourself in a financial bind.  You are faced with some tough choices, and one of them is deciding whether you should file for Chapter 11 bankruptcy.

While no one wants to have to file for bankruptcy, there are times that doing so is your best option and allows your business to get a fresh financial start. How do you know if Chapter 11 bankruptcy is the right solution for you?  It is important to understand how bankruptcy works, what the benefits and drawbacks of filing Chapter 11 are, and how these apply to you. A consultation with an experienced Missouri business bankruptcy attorney ca [...]

Missouri Spousal Support: A Guide to Alimony Laws

  • September 21, 2024
  • Kelvin Birk
  • Divorce

Divorce brings a change in the financial circumstances and needs of both spouses, and in many situations, one spouse is not able to make it on their own.  If this is the case, that spouse may be eligible for spousal support, also known as spousal maintenance or alimony, from their ex.

Spousal support is a monthly payment issued from one spouse to the other after the marriage dissolves. Whether or not a spouse qualifies for alimony and the amount and duration of the support is determined by the court and based on a number of factors. This determination will affect [...]

Facing Foreclosure? How Chapter 7 Bankruptcy Can Help.

When times are tough and you are overwhelmed with debts you cannot pay, one of the most frightening thoughts is the possibility of losing your home through foreclosure. Fortunately, there is a way out. While no one wants to have to file for bankruptcy, doing so can provide the opportunity to not only stop foreclosure, but to enable you to achieve a fresh financial future and start to rebuild your life.

Bankruptcy is a legal way to have many debts forgiven and put you on the road to financial recovery.  Filing can keep creditors from harassing you and seizing your possessions, discharge unsecured debts, including credit cards, medical bills and installment loans, and provide a w [...]

Parenting Plans in Missouri Divorces: Creating a Custody Agreement That Works

  • September 20, 2024
  • Kelvin Birk
  • Divorce

For divorcing parents, creating an effective parenting plan that works is a major concern, as the children’s lives are at stake. Parenting plans cover important decisions including how legal and physical child custody will be arranged, a schedule of how parenting time will be set up, and how major decisions will be made. It is always best if parents can agree on making a joint plan, but if the divorce is contentious, disagreements are likely to arise. An experienced Missouri divorce lawyer can represent your interests and help work through these issues to come up with a comprehensive parenting plan that works and is legally sound.

Understa [...]

Can Chapter 12 Bankruptcy Help Save My Missouri Farm from Foreclosure?

Your home and farm mean a lot to you, so if you have gotten into a financial hole and are facing foreclosure, you want to take action to stop it. Foreclosure in Missouri means the lender can take legal action to seize and sell your property if you fail to make mortgage payments or pay property taxes.

Fortunately, there are ways to stop foreclosure. Recognizing that farming is an important industry and farmers face factors such as extreme weather that can negatively impact their income, the United States Bankruptcy Code has created a special type of bankruptcy that makes it easier for them to get out of debt. Chapter 12 bankruptcy, designed for family farmers and fisherman, is a [...]

The Residency Requirement for Filing Divorce in Missouri

  • September 18, 2024
  • Kelvin Birk
  • Divorce

When a marriage comes to an end, it is a difficult and stressful time for everyone involved. In addition to concerns about financial issues and child support and custody, you need to consider where you, your children, and your soon-to-be ex-spouse will live. Most people want the process to be over as quickly and expeditiously as possible.

However, before you can even file for divorce in Missouri, you must meet certain residency requirements and adhere to specific divorce laws and procedures. It can help to have an experienced Missouri divorce lawyer by your side fro [...]

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