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Bankruptcy Basics

The single most important thing to remember when considering bankruptcy is that declaring bankruptcy is nothing to be ashamed of.

Due in large part to the decline of the national economy in recent years, the rise of medical and insurance costs and the outsourcing of jobs to foreign countries, many Americans find themselves in a position where they simple need a fresh start.  Whether it’s medical bills and debt, credit card debt, personal loan debt, mortgage debt or car and trailer debt, the stress piles up. They need a chance to take a deep breath and get out from under the crushing debt that has accumulated, often through no fault of their own.  Financial hardship is one of the most stressful and difficult trials most people go through.  Creditors calling relentlessly, threats of wage garnishment, liens on property and collection services ruining credit are just some of the issues we go through when we are facing financial problems.

Take a breath.  There may be a way out.  Bankruptcy is designed by our government as a way to help the ordinary citizen start over.  It seeks to balance the needs of the debtor and the creditor by producing an outcome that is fair to all involved.  If you have questions, please do not hesitate to contact us using the form on this page or to call us at 417-588-8566.

What can bankruptcy do for me?

  • Simply put, bankruptcy can make most types of debt go away.  Only a very few types of debt (like student loans and IRS debt) are not able to be done away with in a Chapter 7 bankruptcy.

Will I lose my home and my car?

  • The short answer is, maybe.  In the majority of cases we are able to keep our clients in their homes and cars, even if they owe a substantial amount of money on the home.  To be positive, though, we’d need to have a free consultation and discuss your case.

Can I declare bankruptcy?

  • The federal government has put limitations on who can and who cannot declare bankruptcy.  Please schedule an appointment or contact us using the form on this page to get your free consultation.

YOU DO NOT HAVE TO LIVE IN FEAR OF CREDITORS CALLING, MAILING OR REPOSSESSING.  CALL OUR OFFICE TODAY AND LET US SEE IF WE CAN HELP YOU.

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