Castle Law Office Blog | Missouri & Illinois Bankruptcy Legal Blog

Don’t Let Unpaid Back Taxes Stop You From Choosing Bankruptcy

Many people struggling with their finances have also fallen behind on their taxes. In some cases, families may be afraid to file for bankruptcy because of their debts to federal or state governments. However, some back taxes can be discharged during bankruptcy.

I Want to Know about Bankruptcy in Illinois!

What if you want to know more about Illinois bankruptcy? You may think that a St. Louis bankruptcy may only know about Missouri--but there are actually some very strong similarities between Missouri and Illinois bankruptcy.

If I live in Illinois, can I file a Chapter 7 bankruptcy in Missouri?

If you are on the border of Missouri and Illinois, it may be quite confusing as to where you should file bankruptcy with a St. Louis bankruptcy attorney.

If I live in Illinois, can I file a Chapter 7 bankruptcy in Missouri?

If you are on the border of Missouri and Illinois, it may be quite confusing as to where you should file bankruptcy with a St. Louis bankruptcy attorney.

Illinois Follows Missouri’s Lead, Limits Payday Loan Industry

It seems that Missouri isn't the only state that has noticed the significant damage payday loans can do to someone's financial future. Illinois Governor Pat Quinn signed a bill limiting payday loans in Illinois.

When Can I Expect to See a Garnishment in Illinois?

Just as in Missouri, there may not be a specific date or amount of debt required for a creditor to garnish your wages. So, what can you do to stop your wage garnishment?

Can You Get Rid of Back Alimony or Child Support Payments in an Illinois Bankruptcy?

While getting rid of alimony or child support debt isn't really an option, there may be a few other opportunities with Missouri or Ilinois bankruptcy that can help you with family support debt.

Can You Get Your Car Back after Repossession in Illinois?

If you are looking at an Illinois car repossession, you are probably trying to figure out a good way to get your car back. What kind of help can a St. Louis bankruptcy attorney offer you?

Is It Hard to File Illinois Bankruptcy on Your Own? | Belleville Illinois Bankruptcy Lawyer

Filing bankruptcy in Illinois is a difficult process, whether you are an inexperienced Fairview Heights bankruptcy attorney or a resident trying to file on your own. The law has only become more complicated over the years. Federal bankruptcy law is no exception. Most lawyers are finding that they need to specialize in one area in order to truly be a master of their trade, rather than a jack of all trades.

What makes filing Illinois bankruptcy such a difficult process? Aside from the strict requirements for eligibility, the actual process is full of hurdles. You have to know which debts can be discharged, how to protect your property, and what rules you have to follow while you are in the actual bankruptcy case. Just one mistake could cost you your case.

Most people looking to file Illinois bankruptcy have found that it is not worth the risk to file bankruptcy without an Illinois bankruptcy attorney. What risk, you say? If you make any mistakes during your case, you run this risk of a dismissal. That means your bankruptcy case will be thrown out, leaving you with a bankruptcy on your credit report and no clean slate.

If you still aren’t sure which method is the best for you, try finding free bankruptcy FAQ, articles, blogs, and even publications like my Illinois and Missouri bankruptcy book, “Get Out of Debt: Secrets Your Creditors Don’t Want You to Know.” No matter which path you choose, you and your family should be making an educated decision.

Can I Get in Trouble for Hiding from the Repo Man?

If you are hiding from the repo man, you may have a lot more to worry about than him finding you. Find out what you don't know about repossession...

Can I Keep my Motorcycle in a Missouri or Illinois Chapter 7 Bankruptcy?

If you want to keep your motorcycle in a Chapter 7 bankruptcy in Missouri or Illinois, you probably can. But, there may be something you want to ask yourself before you decide to hang on to that debt...

I’ve Fallen behind on Credit Cards. What Do I Do Now?

If you need a solution to credit card debt, you may be wondering what your next move is. There is a tool that can help you eliminate credit card debt and move on with your life...

Should I Be Renting after a Chapter 7 Bankruptcy in Missouri or Illinois?

Renting after Chapter 7 in Missouri or Illinois may be a good idea in many instances. In fact, it could save you from ruining your fresh start!

How Much Time Does a Chapter 7 Take in Missouri and Illinois?

After you've been in debt for months or even years, you probably don't want to wait any longer for relief. The good news is you can get relief in as little as 90 days.

What If I Just Give Up on my Debts?

Sometimes being in debt is so frustrating that we are ready to give up. It seems easier to just stick your head in the sand and ignore the growing consequences of your debt. However, if you think you are frustrated now, think about how you will feel when you stop making payments.

Creditors will stop at nothing to get payment on the debts owed to them. If you start racking up a substantial amount of debt without any effort to pay it back, your creditors will take action—and likely it won’t be pretty. Some of the most common tactics creditors use include:

•    Foreclosure
•    Repossession
•    Harassing phone calls
•    Wage garnishment
•    Levying of your bank accounts

If you want to avoid these things from happening to you, you can. A Missouri or Illinois Chapter 7 or Chapter 13 bankruptcy can stop creditor calls, wage garnishments, the rest and help you eliminate your debt safely (and legally!) To get more information about what bankruptcy can do for you, request a free copy of my Illinois and Missouri bankruptcy book, “Get Out of Debt: Secrets your creditors don’t want you to know.”

Can I Walk Away from My Car in Missouri or Illinois?

If you decide you want to walk away from your car, there may be some consequences that you haven't seen; the first one being that you aren't necessarily debt free...

Can I file chapter 7 if I’m not current on house payments?

Filing a Chapter 7 can bring up a lot of questions for Missouri and Illinois residents that wish to keep their homes. But what if you are behind on your mortgage? Will you be able to catch back up with a Chapter 7?

Can a Creditor Stop the Discharge of your Credit Card Debt?

Can a creditor prevent you from eliminating your credit card debt in bankruptcy? It's possible, especially if you've picked the wrong bankruptcy attorney

How Can I Make Sure I Have Good Chapter 7 Information?

The first hurdle to jump is finding a good place to supply you with Missouri or Illinois Chapter 7 bankruptcy information. But after you find a site, how do you know if the information is any good?

What Can You Do If Your Creditors Are Breaking the Law?

Sometimes, creditors use bad practices to collect a debt and may even violate the Fair Debt Collection Practices Act. However, if you are thinking that suing your creditors is a way to get out of debt, you may not have all the facts...

Should I File a Chapter 7 Even After a Foreclosure in Missouri or Illinois?

Whether you decide to keep your home or not, filing Missouri or Illinois bankruptcy may save you from your creditors. Make sure you know all the facts about the aftermath of a foreclosure before you decide whether to file bankruptcy.

Overland Park Man’s Scheme Leads Victims To Bankruptcy

A Kansas City man is in federal court for bank fraud after tricking at least six families into signing for loans that they could not afford. Many of the families were forced to file for bankruptcy after falling for the man's scheme.

New Credit Card Laws Give a New Look to Your Statement—and Your Credit Card Debt

The new credit card laws went into effect this week and will be surely changing the way you see your statement. The act sought to change your statements in a way that made it easier to see your financial situation--and your credit card debt.

Bankruptcy after Foreclosure: Still an Option for Your Family

You can still take care of your family with bankruptcy even after foreclosure. Missouri and Illinois Chapter 7 bankruptcy may be your best option for avoiding the aftermath of a foreclosure--and to move forward with your financial future.

Is There a Different Strategy to Filing Illinois Chapter 7 Bankruptcy?

As an Illinois resident, you may be looking at a St. Louis law firm to handle your Illinois Chapter 7 bankruptcy. But, keep a few of these pointers in mind to make sure you've got the best attorney on both sides of the river.