Castle Blog

One Woman Stands Up Against Harassing Creditor Calls | Fairview Heights Illinois Bankruptcy Attorney

A woman in Tyler, TX is standing up for herself--and to her creditors. She is suing her creditors for mistreating her, which is making some Missouri and Illinois citizens wonder if their creditors have taken it too far. Are you putting up with more than you have to from your creditors?

US Fidelis Will Stay Open Through Bankruptcy | Wentzville Bankruptcy Attorney

For the US Fidelis bankruptcy, a judge ruled that they could continue to stay afloat and pay their workers. But what about those who were left in the aftermath of a layoff? There is a wentzville missouri bankruptcy attorney who knows just how to help.

Boss’ lavish lifestyle leads to US Fidelis bankruptcy; Hundreds in Wentzville Still Suffering in Debt

The US Fidelis bankruptcy has left many Wentzville, Missouri workers without an income for months. Now, it seems that the bankrutpcy may have been due to the lavish lifestyle lived by the two brothers who founded US Fidelis, Darain and Cory Atkinson.

How Important Is It to Get a Garnishment off of my Paycheck?

A wage garnishment can make a bad situation much worse. If removing your wage garnishment isn't at the top of your list of priorities, you might want to look down the road at how a wage garnishment can permanently cripple you with debt.

How Can You Find Recommended Bankruptcy Lawyers in St. Louis?

Finding the highest recommended bankruptcy attorney in St. Louis, Missouri or Southern Illinois isn't an easy task--it may involve quite a bit of research. But, if you know the signs of a great Missouri and Illinois bankruptcy attorney, it may be easier.

Our Very Own St. Louis Bankruptcy Attorney James Brown Featured in the Wall Street Journal!

Missouri and Illinois bankruptcy attorney and founder of Castle Law Office James Brown has had the honor of being included in the Wall Street Journal!

Bankruptcy Terms To Know: Insolvency

Is insolvency the same as bankruptcy? If a company is insolvent, do they have to declare bankruptcy? What makes a company insolvent? Learn the definition of insolvency in this installment of "Bankruptcy Terms To Know."

Loan Modification Group in San Diego Is Invested by the FBI for Fraud

The latest scam in loan modifications has struck in San Diego, California. Several scammers, who have targeted the Filipino population, have been investigated by the FBI and indicted on several criminal accounts. How can you avoid loan modification scams in Missouri and Illinois and find a safe way to protect your family from foreclosure?

How Can You Find the Right Bankruptcy Attorney in St. Louis, Missouri?

Finding the best bankruptcy attorney for your case is a little more complicated than just picking a name out of the yellow pages. There are, however, some good rules of thumb for picking an attorney who will work hard and efficiently on your case.

Merry Christmas from Castle Law Office

After a tough 2009 for everyone, we want to take the time to wish you all Happy Holidays and hope that we can help you through 2010. If you need credit card debt help, protection from foreclosure, or just a way out from under crushing amounts of debt, we will be here with you every step of the way in 2010.

Bankruptcy Terms to Know: Schedules

What are bankruptcy schedules? They are snapshots of your financial situation at the time your case is filed. You want to make sure that before you hire a Missouri or Illinois bankruptcy attorney, he or she knows the importance of your bankruptcy schedules. If he or she does not, it could mean trouble for your Chapter 7 or Chapter 13 bankruptcy case.

Illinois Bankruptcy Attorney Opens New Castle Law Office Location in Fairview Heights!

I have been helping people in Illinois for many years now get relief from their overwhelming debt through bankruptcy. Previously, they have trekked across the river to the St. Louis office to meet with me and start on their way to financial peace of mind. Now, to better serve those citizens of Illinois, we have opened a Castle Law Office location in Fairview Heights.

The new office is located at 5007 N. Illinois (Route 159), Suite 4. We will be helping the good folks In Madison and St. Clair counties along with their surrounding towns and counties get debt relief with Chapter 7 and Chapter 13 bankruptcy. We opened the doors at the new office yesterday and, already, the staff at the new office has informed me that the appointment books have filled up. That means that, if you are in financial trouble, you should contact the office immediately to avoid possibly long delays in getting the help you need to stop wage garnishments, stop harassing creditor calls, stop car repossessions, and stop foreclosure.

The office is staffed with familiar faces that have been working at our St. Louis location for over 14 years. Having well-trained, ready-to-help staff was one of my biggest concerns when opening this new office. Now, we can immediately start helping the community get out of debt with experienced, caring staff. This is probably the most vulnerable time for a family and I am glad to be there when they need help the most.

I’m proud to say that you can now get the same reliable service that has helped over 30,000 St. Louis families get debt relief without having to cross the river! You can make an appointment for free with an experienced bankruptcy attorney at our new Illinois location by calling 618-206-3535 or you can contact Castle Law Office online by clicking here.

St. Louis Bankruptcy attorneys at the Castle Law Group offer a FREE Debt Relief Package including controversial new book 7 Critical Mistakes to Avoid the Dismissal of your Bankruptcy Case. Don't talk with any creditor or bankruptcy attorney before you read this book. St. Louis, Missouri and Illinois Bankruptcy Attorney James Brown and Castle Law Office have offices in St. Louis, MO, Kansas City, MO and Memphis, TN that specialize in obtaining a discharge of debt in Chapter 7 Bankruptcy and Chapter 13 Bankruptcy cases in Missouri, Tennessee, and Illinois.  To order your FREE Debt Relief Package, click here.

Credit Card Debt Statistics

Are you alone in your credit card struggles, or are more Americans than you think struggling with credit card debt and spending issues? Learn some eye-opening credit card statistics in this brankruptcy blog entry.

The Dangers of Bankruptcy Misinformation

When looking for information on chapter 7 and chapter 13 bankruptcy in Missouri and Illinois, it is easy to run into a lot of information but how do you know which information is the best? Or even accurate? Information about a "Bankruptcy Home Equity Loan" sparked my interest in dispelling some misinformation, so, here are some tips that may help you determine fact from fiction.

St. Louis Bankruptcy attorneys at the Castle Law Group offer a FREE Debt Relief Package including controversial new book 7 Critical Mistakes to Avoid the Dismissal of your Bankruptcy Case. Don't talk with any creditor or bankruptcy attorney before you read this book. St. Louis, Missouri and Illinois Bankruptcy Attorney James Brown and Castle Law Office have offices in St. Louis, MO, Kansas City, MO and Memphis, TN that specialize in obtaining a discharge of debt in Chapter 7 Bankruptcy and Chapter 13 Bankruptcy cases in Missouri, Tennessee, and Illinois.  To order your FREE Debt Relief Package, click here.

Our Own James Brown Hits the Best Seller List!

Owner and founder of Castle Law Office James Brown has hit the best seller list with his fifth publication, “Shift Happens.” The book was written as part of his venture with America’s Premier Experts and was released on November 19th, 2009. The book is a guide for the average American to survive and thrive in the current economy. Since that release, it has been a hit and named a best-seller in only four days in three different categories, including Direct Marketing, Entrepreneurship, and Communications.

Due to his over 15 years of experience in bankruptcy, James was asked to write a chapter on how the small business man can cope with the current economy and continue on to success. In his chapter, titled “Getting Past Debt: Regroup, Restructure, Rebuild!” he details the most common problems that small business owners go through as they follow their dreams and even includes a guide to dealing with business debts. James’ chapter gives hope to the future of small business with realistic advice that owners can actually use to become successful.

You can order your very own copy for $21.95 of “Shift Happens” by visiting borders or amazon online. You can also view the press release on the St. Louis Post-Dispatch website. The Castle Law family wants to congratulate James on this great achievement!

November: A Focus On Emergencies That Lead To Bankruptcy

This month we have focused on three common reasons for bankruptcy in America: job loss, medical bills, and divorce.

A Home Town Favorite Gets Back on Its Feet

Charter Communications, a St. Louis based cable company, has emerged from bankruptcy with a new, positive outlook. They provide a perfect example of how bankruptcy should be seen as a beginning, giving you opportunity to succeed and prosper without the burden of debt.

St. Louis Bankruptcy attorneys at the Castle Law Group offer a FREE Debt Relief Package including controversial new book 7 Critical Mistakes to Avoid the Dismissal of your Bankruptcy Case. Don't talk with any creditor or bankruptcy attorney before you read this book. St. Louis, Missouri and Illinois Bankruptcy Attorney James Brown and Castle Law Office have offices in St. Louis, MO, Kansas City, MO and Memphis, TN that specialize in obtaining a discharge of debt in Chapter 7 Bankruptcy and Chapter 13 Bankruptcy cases in Missouri, Tennessee, and Illinois.  To order your FREE Debt Relief Package, click here.

Will bankruptcy affect your security clearance?

Will filing bankruptcy in missouri or illinois get your security clearance revoked? Not necessarily. In my 15 years of experience, I have never had this happen. It also wouldn't happen strictly because of your bankruptcy. There are some important things to remember, however, when your clearance is up for review.

The Middle Class Gives Bankruptcy a New Feel

The middle class is the new face of bankruptcy. The US has seen a steady increase in well-educated homeowners declaring bankruptcy. It just proves that overwhelming debt can really affect anyone.

Missouri Ranked 44th Happiest State Out of 50

Missouri was just found to be in the bottom 6 of states for happiness levels. Why? It could be the stress of debt that so many live with. Do you have to live with the stress of debt? No. Chapter 7 or Chapter 13 bankruptcy can help you become the happy person you'd like to be.

Something to Remember this Thanksgiving

As this Thanksgiving season rolls around, it is important to remember the things you can truly be thankful for. Getting relief from your debt may just be the blessing your family needs.

The Truth about Debt Settlement Is Out

Debt settlement has been seen as an option by some but, as the Wall Street Journal has now recognized, it may not actually help you with your debt as much as one thinks.The Wall Street Journal released an article letting its readers know that debt settlement can't always deliver what it promises.

You Can Still Give Your Tithing in Bankruptcy

When going through bankruptcy, most people like to get back to the basics. They want to stop worrying about overdue house payments, harassing creditors, and wage garnishments and focus on the more important things in life—like family and friends. For many, those more important things include God and their church. So, it’s no wonder that people sometimes ask me at their free consultation, “Can I still give my church tithing?”
 
Fortunately, in both Chapter 7 and Chapter 13, a debtor can include an expense for charitable contributions, which include church tithing. And, with the weight of debt off your shoulders, it is easier to contribute. In fact, many end up giving more money than they did before their bankruptcy.

Bankruptcy protection truly provides a way for you to focus on the things in your life that make you happy. Contributing to your church and the community within it can be a powerful thing. It can make you feel like you’ve given something back to an organization that has given you so much. Bankruptcy doesn’t limit that—it, instead, empowers you to do the things that give you great satisfaction in life and move on from the burden of debt.

If you would like to free yourself to focus on the things that matter to you, you would be well-advised to talk to the best bankruptcy attorney in your area about what bankruptcy can do for you.

Can You Afford to Deck the Halls This Season?

With Halloween already passed, we have entered the spending season. Between getting a handle on those Halloween bills and creating more bills for Thanksgiving and Christmas, this is the perfect time to get into real trouble with debt. MSN Money had some great tips for helping you through this expensive season.

Know how much you are spending. It is easy to lose track of how much you are really spending on gifts, food, and decorations when you get carried away by the Christmas spirit. Just keep in mind the shock you’ll receive in January if you aren’t keeping track of how many times you are swiping that credit card.

Don’t overdo it. Don’t put yourself into debt just because you want to get everyone an impressive amount of gifts. Be realistic about what you can afford; after all, the best gifts come from the heart!

Don’t wait until the last minute. At some point, we are all guilty of procrastinating but it doesn’t pay off around the holidays. Often, trying to pay for all the presents at once will make your next credit card bill give you the chills. Space out your gift buying so you can stick it in your budget.

Get a gift receipt. Unless you are absolutely sure, don’t spend a bunch of money in stores with no return policy. It could leave you feeling guilty and end up costing you more in the long run.

Hopefully these tips can help relieve you of the burden of debt that could inevitably crush the Christmas spirit we all love to enjoy. If you are already in trouble with your debt, you may want to explore the option of Bankruptcy. It has helped many families get through the holiday season—and an appointment to talk to someone about your debt may just be the best gift you could give yours.

Will Thanksgiving Cost As Much As It Did in 2008?

The costs of everything have risen. From shoes and phones to cranberries and yams, we’re all paying a little bit more these days. Last year, the cost of Thanksgiving rose 5.6%, going from $42.26 to $44.61. That is a bigger rise in pricing than we’ve seen in years with 2005 and 2006 both seeing an increase under 3.7%.

So why is it costing us more to have our feasts? Food is a necessity. When the going gets tough, the things that people don’t need are thrown out of the budget and we’re left with only what we must have. And we must have food. So, grocers can raise the price of food and we’ll still have to buy it.

Fortunately, economists aren’t predicting as high of an increase for 2009. Regardless of the predictions, we will still be spending more. And, most likely, spending for Thanksgiving will just be a precursor to the real debt that we’re left with after Christmas.

Are there any good solutions? I’ve actually helped many families with their holiday bills. Because so many people are buying the holiday supplies on credit, I can help them with a Chapter 7 Bankruptcy. In most cases, a chapter 7 can wipe the credit card debt that brings down a family’s holiday spirit and let them start fresh. Relieving the burden of debt makes it easier to give thanks for the things that really matter, like health, family and friends.