filing for bankruptcy

Can a Kansas or Missouri Bankruptcy Save My House from Foreclosure?

If you are behind on your home mortgage filing for bankruptcy may give you the ability to save your home.  There are two different chapters of bankruptcy utilized by most consumers – chapter 7 and chapter 13.  An automatic stay will go into effect on the day your case is filed under either chapter, with [...]

Can Bankruptcy Stop a Garnishment?

Consumers file bankruptcy for several reasons one of which is to stop a garnishment on their paychecks or bank accounts.  Most consumers file a chapter 7 or chapter 13 bankruptcy, both will give you the protection of the automatic stay.  The automatic stay goes into effect the moment your case is filed.   Repeat filers with [...]

If I file bankruptcy can I keep my house?

When you file for bankruptcy any property you own will be classified as exempt property or non-exempt property.  Exempt property is safe during the bankruptcy.  Non-exempt property can be sold for the benefit of your creditors.  Each state is allowed to decide what exemptions are available to their residents. In Kansas, a Kansas resident is [...]

Feel Guilty About Considering Bankruptcy?

So many times we see our bankruptcy clients in anguish over the thought of wiping out their debt.  They feel guilty about walking away from their creditors.  In some cases the dilemma is obvious; the small town doctor who agreed to bill you for your office visits - resulting in a small debt or the [...]

Is it Time to File for Bankruptcy?

“Many people look forward to the new year for a new start on old habits.” Author Unknown. We rang in the New Year about two weeks ago toasting family and friends with hopes of following through on those pesky New Year resolutions.  There is an abundance of advice on how to stick with those resolutions [...]

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