Bankruptcy FAQ

Debt Relief Options: Chapter 13, Debt Management, and Consolidation

The best bankruptcy option for some debtors is a chapter 13.  The reasons differ per debtor; however, usually it is because their income is too high for a chapter 7; they are behind on their mortgage and want to keep their house; they are behind on a car; have non-exempt property they wish to keep; [...]

Will the Trustee Come Into My Home if I File Bankruptcy in Kansas City?

Many of our clients want to know when the trustee will come to their home to look over their property.  Debtors filing a chapter 7 bankruptcy are anticipating the trustee walking through their homes to determine what property will be sold during the course of their case.  Our clients are relieved to know that the [...]

Can I Use My Tax Refund to File Bankruptcy?

A New Year is a time to look at the next 12 months with hope and possibility, let our bankruptcy attorneys assist you and have a Happy New Year in 2015.  Every day we see debtors and their households struggling with debt.  The debt is keeping these families from enjoying their lives together, because they [...]

Chapter 7, Chapter 13, Chapter 20 — Bankruptcy Options Are Available

As a consumer, what Chapter of Bankruptcy is right for you? A Chapter 7? A Chapter 13? A Chapter 20? A Chapter 7 Bankruptcy involves the collection and liquidation of non-exempt assets. The proceeds of the non-exempt assets are distributed to your unsecured creditors. A Trustee will be appointed to your Bankruptcy case to administer [...]

Chapter 13 Debt Limits

Debtors have the option of filing a chapter 13 bankruptcy as long as some qualifications are met.  One of those qualifications is the debtor’s secured and unsecured debt amounts cannot exceed the limits set for a chapter 13.  A chapter 13 is a repayment plan that allows debtors to make monthly payments to the assigned [...]

Can I Qualify for a Mortgage After Bankruptcy?

We are often asked by clients if they will ever be able to buy a home if they file for bankruptcy.  Bankruptcy offers consumers a fresh start, meaning most consumers will walk away from all their unsecured debt like credit cards, medical debt, car repossessions, foreclosures, and collection judgments.  The cost of this fresh start [...]

Is my Social Security Income protected from my Creditors?

Your social security income may be protected from creditors – meaning they cannot garnish your social security check or the bank account that it sits in – if you protect it correctly. The relevant law is a section regarding Old Age, Survivor, and Disability benefits, which contains this language: 42 USC §407 (a) In general: [...]

Filing Bankruptcy after Christmas

Christmas is the season of joy and giving.  Your credit cards might have saw a fair amount of action on Black Friday and Cyber Monday.  Credit cards are a necessity to make safe purchases on those cyber bargains and are easier to carry around town when making your last minute purchases.  Some consumers require credit [...]

Kansas Order for a Hearing in Aid in Execution of Judgment

Times are hard – you’ve lost your job, you got sick, the market still hasn’t turned around – and you have not been able to make your monthly credit card payments. The collection letters come, but you set them to the side. Creditors have been calling, but now you recognize the number and just don’t [...]

Stop Collection Calls

YES! It is possible -- When you are unable to make your monthly payments, Creditor calls are going to happen. First you will get a letter from your Creditor saying something airy like “Whoops you missed a payment!” Make your payment, plus late fees and all is well. But another month passes without payment and [...]

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