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Frequently Asked Questions

Below are some initial questions many clients have when they first contact Castle Law Office of St. Louis, P.C.. The questions below may address many initial concerns you may have. If you don't find the answers here, you should contact us for answers to questions specific to your case. The consultation is free.

Chapter 7

• After foreclosure and chapter 7, can you buy a house again?
• Can I keep my car, motorcycle, or other vehicles in bankruptcy?
• Will I automatically lose my house in a Chapter 7 bankruptcy?
• I am currently in the process of preparing to file for Chapter 7 bankruptcy. I have been current on my house and car payments. There is no equity in the house as I now owe more than it’s worth. In my filing, do I need to list the house and vehicle because I don’t want to risk losing them?

• Can Your Furniture Be Taken in a Chapter 7 Bankruptcy?
  

• What is the difference between secured and unsecured debt?

Chapter 13

• I want to give up my home but I’ve already filed a Chapter 13. Is it still possible?
• Can I Walk Away from my House during Foreclosure?
• What Should I Do with a Foreclosure Notice?
  
  
• Is there life during—and after—Chapter 13 bankruptcy?
• Should I be worried about the national foreclosure rate expected for 2010?
• What happens after foreclosure in Missouri and Illinois?
• Can I refinance our home mortgage during bankruptcy?
  
  

Life After Bankruptcy

• Is finding a job harder after Missouri or Illinois bankruptcy?
• Is it hard to build credit again after bankruptcy?
• When can I start building credit after a Missouri or Illinois bankruptcy?
  
  
• Can My Chapter 7 or Chapter 13 Bankruptcy Be Removed from my Credit Report in Missouri and Illinois?

Bankruptcy Attorney in St Louis

• Can you get garnished wages back or are they gone forever?
  
  
• Can I file bankruptcy by myself?
• Can I file bankruptcy by myself?
• Can I change from one chapter to another?
• Who lets my creditors know I’m filing bankruptcy?
• Does a divorce decree protect me if my ex-spouse files?
  
  
• I am currently in a bind for paying bills.  I don’t get paid for two more weeks.  Should I consider taking out a payday loan?
• If I file for bankruptcy, won’t it cause more family troubles and even lead to divorce?
• Can I get rid of back taxes through bankruptcy?
• Can I only file once for bankruptcy protection?
• Can I  pick and choose which debts and property to list in your bankruptcy?
• Will I ever be able to own anything again?
  
• Can I still file for bankruptcy under the New Law, or is it too late?
• Does everyone know I filed bankruptcy?
• Will I lose everything I own if I file bankruptcy?
• Will I ever get credit again?
• Is there anything available to help me after filing bankruptcy?
• Doesn’t filing bankruptcy mean you're a bad person?
• If I’m married, do both me and my spouse have to file for bankruptcy?
• Is it really hard to file for bankruptcy?
• Do only deadbeats file for bankruptcy?
• Even if you file for bankruptcy, won’t creditors still harass you and your family?
• Will filing bankruptcy hurt my credit for 10 years?

General

• Am I Paying too Much on my Mortgage?
• What Does the New Credit Card Reform Act Mean for my Kids?
• How Long Do I Have to Live in Missouri to File Bankruptcy There?
• I live in Missouri but work in Illinois. Can I file my bankruptcy case in Illinois instead of Missouri?
• Is it expensive to file bankruptcy?
• What famous people have filed bankruptcy?
• Can I choose between Chapter 7 and Chapter 13 bankruptcy?
• Can a creditor continue to contact me after I’ve filed?
• I don’t want to give up my car. Can I transfer it to my mother before filing?
• Will the Bankruptcy Trustee show up at my house?
  
  
• Can “credit repair” really be an alternative to bankruptcy?
• Can all types of debt be discharged?
• How is an inheritance treated in a bankruptcy case?
• What is a joint petition?
  
• When should I stop using my credit cards?
• Can a creditor come after a cosigner?
• Can a bankruptcy be reopened?
  

• Will I lose my social security if I file bankruptcy?

• Do you have to have a certain amount of debt to file bankruptcy?
• Can I add a creditor that I forgot after my case is filed?
  
  
• Can I add a creditor that I forgot after my case is filed?
  
  

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