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Missouri Bankruptcy Legal Library | Castle Law Office Bankruptcy Informational Articles

Many of those considering Chapter 7 bankruptcy or Chapter 13 bankrutpcy are seeking basic information about the process of filing for bankruptcy in Missouri or Illinois. To help answer some of these questions, we have written a number of short, clear, and informative articles regarding bankruptcy in Missouri and Illinois. We hope that these informational bankrutpcy articles help you better understand bankruptcy topics such as Chapter 7 bankruptcy, Chapter 13 bankruptcy, life after bankruptcy, bankruptcy and foreclosure, bankruptcy law, and the bankruptcy process.

Library Categories:

• Illinois Bankruptcy
• Chapter 7
• Chapter 13
• Life After Bankruptcy
• Bankruptcy Attorney in St Louis
• Newsletter
• General

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Illinois Bankruptcy:

• What Is Bankruptcy Credit Counseling?   
  Description: As of the new 2005 laws, all individuals filing for bankruptcy must take a credit counseling course. While some believe that these credit counseling courses only serve to make petitioning for bankruptcy more difficult, some may gain useful information from the class.
• Don’t Go Into Debt To Pay For A Summer Vacation   
  Description: The temptation to get away - far away - this summer is tempting, especially considering the financial stresses that millions of people face in Missouri and Illinois. However, going into debt in order to take a vacation is never a good plan. Learn more about this bad form of debt.
• Bankruptcy Fraud Is A Serious Crime In Missouri And Illinois   
  Description: Bankruptcy fraud is deplorable - and it can result in huge fines and up to five years in federal prison. Learn more about why people commit bankruptcy fraud in Missouri and Illinois - and why it's a bad choice to make for anyone.
• Payday Loans Can Be A Step Toward Bankruptcy   
  Description: Millions of people take advantage of payday loans each year across the country - but are they setting themselves up for financial problems in the future? While it is possible to responsible use payday loans, many families find themselves quickly digging themselves into large amounts of debt.
• Can I File Bankruptcy in Illinois by Myself? | Fairview Heights, Illinois Bankruptcy Attorney   
  Description: Filing bankruptcy by yourself in any state is a difficult task to say the least. What should you be looking out for when attempting to file without a St. Louis bankruptcy attorney.

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Chapter 7:

• Can Missouri or Illinois Chapter 7 Bankruptcy Get Rid of a Deficiency?   
  Description: If your home sells for less than it is worth at a foreclosure auction, you may still owe on your mortgage. But, there may be a way for you to get rid of that deficiency balance--and the rest of your debt...
• What if I stop paying credit card bills in Missouri?   
  Description: When you have to choose which debts to pay, you may think it is a good idea to stop paying your credit cards. After all, they can't take any of your assets...or can they?
• How to Keep a Car When Filing Chapter 7 Bankruptcy in St. Louis, MO   
  Description: Many people think that filing Missouri or Illinois bankruptcy means they have to give up things like their car or home. The reality is that there are multiple ways to keep your car, if that is what you need to do...
• What Is the Difference between Chapter 7 and Walking Away from your Debts?   
  Description: Though it may seem that you could take care of your debt yourself, Chapter 7 bankruptcy is a much safer way of getting relief from your creditors.
• What’s the Time Line for Illinois and Missouri Chapter 7 Bankruptcy?   
  Description: When you decide to get out of debt, you are ready to be out of it immediately! It is natural to wonder how long it will take to get all the benefits of bankruptcy. So, how long will it take?

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Chapter 13:

• Hiding from the Repo Man? Here Are Some Other Options.   
  Description: If you're hiding from the repo man, you're probably in a somewhat desperate situation. But did you know that you can stop your repossession, stop hiding from the repo man, and get help with your debt?
• Will a Chapter 13 Help Me with Child Support?   
  Description: If you've fallen behind on child support, you probably already know how severe the consequences can be. They can garnish more from your paycheck than a typical creditor. However, there may be relief in sight...
• Do You Still Owe on Your House After Foreclosure?   
  Description: Walking away from your house in Missouri or Illinois may not be as easy as it seems. In fact, you may still have to pay on your mortgage even after you've lost your home.
• Can a Bank Refuse the Automatic Stay in a Chapter 13?   
  Description: When you are in debt, you feel as though your creditors are omnipotent. However, bankruptcy is more powerful than your creditors--and refusing an automatic isn't an option to almost all of them. Why?
• How Far Must I Be behind on My Bills to File Bankruptcy?   
  Description: It is easy to think that there is a certain amount of debt or time spent being behind that throws up a flag and tells us to file bankruptcy. Unfortunately, it isn't that easy. However, it may be easier than you think to decide when to file bankruptcy...

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Life After Bankruptcy:

• After Missouri or Illinois Bankruptcy, Is Getting a New Job Impossible?   
  Description: Many are under the impression that it is impossible to get hired again with a Missouri or Illinois bankruptcy on your credit report. But is that really true?
• How Long Will Bankruptcy Affect My Credit History?   
  Description: If you are filing Missouri or Illinois bankruptcy, you may be concerned with how long a bankruptcy will be on your credit and what kind of effect it will have. You may be surprised to hear the positive possibilities.
• After Bankruptcy, Can Your Creditors Keep Bothering You?   
  Description: One of the biggest benefits to filing Missouri or Illinois bankruptcy is that you can finally be relieved of those harassing creditor calls. But what if they call after your bankruptcy is over?
• Missouri and Illinois Bankruptcy and Your Livelihood   
  Description: What does Missouri and Illinois bankruptcy really have to do with your livelihood? Will your job be affected by bankruptcy? What about your family? You may be surprised to find out how positive the results can be.
• What Happens if You Incur Debt after Your Missouri or Illinois Bankruptcy Filing?   
  Description: A Missouri or Illinois bankruptcy can take care of your debt like no other tool. However, incurring debt after your bankruptcy can get you into trouble quickly--and you can be left without an easy solution.

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Bankruptcy Attorney in St Louis:

• Your Required Credit Counseling Sessions Will Help You Emerge From Bankruptcy Successfully   
  Description: You cannot successfully finish the bankruptcy process without attending both pre-filing credit counseling sessions and pre-discharge debt education courses. Learn more about these two bankruptcy requirements in Missouri and Illinois.
• New Study: Debt Often Damages All Aspects Of Life   
  Description: A new study has revealed what many of us already know: debt doesn't just affect your finances, it can worsen every aspect of your life, from your marriage to your health to your overall happiness. Learn more about the results of this new survey about debt and quality of life.
• Did You Get Your Freedom this Fourth of July?   
  Description: Celebrating the Fourth of July in St. Louis is not just about our country's freedom. It is about yours too. Did you get freedom from your debt this year?
• Bankruptcy Has Helped Me. How about You?   
  Description: It is natural to wonder whether Missouri or Illinois bankruptcy can really be the solution to your debt or not. However, I've filed a bankruptcy myself and now, a St. Louis bankruptcy attorney, I can tell you how it helped me...
• Why an Attorney May Not Tell You How Much It Costs to File Bankruptcy First   
  Description: Often, the first question you have is how much this bankruptcy filing is going to cost. But there may be something you don't know about St. Louis bankruptcy attorneys who give you a quote over the phone...

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Newsletter:

• May 2010 Newsletter [PDF]   
  Description: Castle Law Office's May Newsletter
• April 2010 Newsletter [PDF]   
  Description: Castle Law Office's April Newsletter
• March 2010 Newsletter [PDF]   
  Description: Castle Law Office's March Newsletter
• February 2010 Newsletter [PDF]   
  Description: The February 2010 edition of the Castle Law Office newsletter is available here.
• September Newsletter: Hot News You Can Use! [PDF]   
  Description: The September newsletter for Castle Law Office includes an update on James Brown, labor day trivia, a new contest, and more!

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General:

• Are You My Next Associate Attorney? [PDF]   
• What Can I Do During Missouri and Illinois Bankruptcy?   
  Description: Wondering what you can and can't do when you are going through Missouri or Illinois Bankruptcy? You aren't alone. Unfortunately, there's no easy answer...
• How to File Bankruptcy in Missouri: Two Approaches   
  Description: You can file bankruptcy by yourself or with a St. Louis bankruptcy attorney...but which one is better? What are the pros and cons of both?
• I Want to Know about Bankruptcy in Missouri!   
  Description: When you want the bare facts about Missouri bankruptcy, it is hard to know where to look. Here, I've broken down the basics and let you in on what you need to know about Missouri bankruptcy.
• When Might It Be Good to File without Your Spouse?   
  Description: Even if you are married, it sometimes makes sense to file without your spouse. In what instances should you ask your St. Louis bankruptcy attorney if filing separate is a good idea?

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