Bankruptcy, Personal Injury, Workers Compensation, Litigation
The short answer is no…you do not have to surrender your home if you file for bankruptcy. If you are having financial trouble and problems making your ongoing mortgage payment, I would first recommend contacting your lender and trying to modify your mortgage. Some lenders will work with you, but if they are not willing […]
If you are considering filing for bankruptcy you probably have a number of questions. Often times people turn to the internet or friends for advice, and may get confusing and inconsistent answers. The best course of action is to meet with an attorney. Many attorneys offer free, no obligation consultations. This is a great way […]
Debtors often ask when they can begin to obtain new credit after filing a bankruptcy. Almost invariably the debtor is told that he/she can begin obtaining new credit immediately after commencement of his/her bankruptcy proceeding. While this is true, there are a number of things the debtor may want to consider when considering what types […]
Many debtors considering bankruptcy have a wide variety of types of debt. Debts range from medical bills, to credit cards and pay day loans, to homes and cars, and even student loans. The Bankruptcy Code affords little to no relief for debtors burdened with student loans. The general rule is that student loans are not […]
Over half of all internet users use social media on a daily basis. Social networking is the fastest growing social behavior. Naturally, many professionals, including attorneys, have turned to social media for a number of purposes. Many attorneys use social media for advertising, educational purposes, or a mix of the two. There are a number […]
It is estimated that approximately 60 percent of all bankruptcies that are filed are due to excessive medical bills. Those filing bankruptcy due to these costs are not necessarily those who are poor or uninsured. In fact, of the people who file for medical bankruptcy, over 60 percent attended college, over 65 percent own a […]
A debtor can obtain a discharge of debt by filing for bankruptcy. A discharge of debt releases the individual’s personal liability for many types of debts. A discharge prevents creditors from making any collections efforts upon the debtor including phone calls, letters, and threats. If you live in the St. Louis Area, being represented by […]
As personal bankruptcy has recently reached an all time high, it is more important than ever to develop and live by a household budget. This will help you in determining not only where your money is going on a regular basis, but it should also help you to cut down on expenses that are not […]
Credit counseling most often involves consolidating outstanding debts as much as possible and then developing a negotiated repayment plan for a reduced payment over time to all of your creditors. Credit counseling is often a first step taken by those who have significant debt due to varying unforeseen circumstances. Each creditor has a different idea […]
© A & L, Licker Law Firm, LLC 2026. Powered by WordPress