Overwhelmed with debt? You have options.

• Do you owe more than you make?
• Are you having trouble paying your mortgage?
• Is your credit card debt out of control?
• Are you facing foreclosure or repossession?
• Do you feel overwhelmed?
• Do you need help?

Unemployment, divorce, poor health, and financial mistakes can leave a person unable to pay bills. If you are having financial problems, you are not alone. In 2010, more than one and a half million Americans filed for bankruptcy. Bankruptcy can offer those who are overwhelmed with debt the opportunity for a fresh start.

Our bankruptcy attorneys at A & L, Licker Law Firm, LLC have expertise in all aspects of Missouri bankruptcy law. If you need help, we can help you determine if filing bankruptcy is a good option for you.

Will Declaring Bankruptcy Help Me?

Bankruptcy is a federal court process designed to provide both individuals and businesses with relief from serious debt problems while treating creditors fairly. The two types of bankruptcy most commonly used by individuals are Chapter 7 and Chapter 13 bankruptcy.

Bankruptcy may be an option if:

• You pay so much in credit card debt that you cannot pay basic living expenses such as food, utilities and transportation.
• You are using your credit cards to pay off other credit cards.
• You cannot make your minimum monthly credit card payment.
• You are several months behind on your mortgage and cannot catch up on missed payments.
• You are facing foreclosure on your home. 
• You have missed car payments.
• You are facing repossession of your car or other belongings.
• Your wages are being garnished.
• You are afraid to answer the phone because of creditor harassment.

When bankruptcy is not right for you, there may be other options. Contact the attorneys at Licker Law Firm at (636) 916-5400 to learn more.

It is not too late to call!

By law, bankruptcy provides an automatic stay on all debts during the bankruptcy process. This means that as soon as the paperwork for a bankruptcy is filed, all collection actions are paused. All foreclosures, garnishments, attachments, lawsuits, collection calls and letters must stop.

If you are facing foreclosure in Missouri or Illinois, call Licker Law Firm immediately at (636) 916-5400. Contact our office to schedule a free consultation. Our attorneys will determine if bankruptcy is right for you and which form of bankruptcy will work for best in your situation. Once you hire us, we will prepare the bankruptcy petition and fill it on your behalf.

For more information, request our free book: Everything You Need To Know About Bankruptcy. The book explains the bankruptcy process in Missouri and how it can help you to get a fresh start.

                                                                         

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Blog for Bankruptcy

• Options for Property in Bankrtupcy
• Reaffirmation
• Differences Between Secured and Unsecured Debt
• Cram Down in Bankruptcy
• Will Filing Bankruptcy Stop a Foreclosure?
• Bankruptcy and Debt
• Missouri Bankruptcy Exemptions
• The Basics of the Bankruptcy Process
• Discharge of Debt
• Wage Garnishment in a Chapter 7 Bankruptcy
• A Brief Guide About the Chapter 7 Bankruptcy Means Tests
• The Difference Between a Bankruptcy Discharge and a Reaffirmation Agreement
• How Debt Settlement Works
• Is Bankruptcy Right for You?
• Who will benefit from filing Chapter 13?
• Advantages of Filing for Chapter 7 Bankruptcy
• Everything You need to Know about Consumer Bankruptcy
• Bankruptcy and Military Security Clearances
• Where Will I Live After the Bankruptcy?
• Start Thinking About Bankruptcy Before You Are Broke

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Library for Bankruptcy:

• Why filing bankruptcy? Discharge, automatic stay, why is that helpful?   
  Filing for bankruptcy because of discharge and automatic stay.
• Should You File Bankruptcy? Part 4 of 5: Consider Your Liabilities – What Do You Owe?   
  This is part 4 of our series "Should I file for Bankruptcy?". When it come to bankruptcy there are many aspects to consider.
• Should You File Bankruptcy? Part 5 of 5: Is Bankruptcy the Right Choice For You?   
  After knowing all your liabilities and cash flow, is bankruptcy an option, or perhaps the only option. A Bankruptcy attorney can help.
• Should You File Bankruptcy? Part 2 of 5: Consider Your Expenses   
  The "Should I file for Bankruptcy?" guideline is a 5 part article to help determine if bankruptcy is an option.
• Should You File Bankruptcy? Part 3 of 5: Consider Your Assets – What Do You Own?   
  The assets are an important factor when determining if bankruptcy is the right choice, you have to list all assets on your bankruptcy petition.
• When considering bankruptcy, sooner or later, one is confronted with the "means test".   
  The means test calculation includes income and deduction only an experienced bankruptcy attorney would be able to apply.
• Should You File Bankruptcy? Part 1 of 5: Consider Your Current Income   
  The best way to find out if bankruptcy is an option is to talk to a bankruptcy attorney.
• Knowing the debt collection practice helps dealing with calls of debt collectors.   
  Ten Things to Consider When Talking To Debt Collectors
• Do I Need to Include All My Creditors in My Bankruptcy?   
  Can you list some creditors on your bankruptcy petition and leave other creditors out?
• Can I discharge income tax in bankruptcy?   
  Discharge of income tax in bankruptcy. Requirements to discharge income tax.
• Facing Foreclosure in Missouri? Get Help Now.   
  Are you facing foreclosure? Are you at risk of losing your home? Job loss, health issues and other changes in circumstances can make it hard to keep up with monthly expenses such as mortgage payments. Unfortunately, once you get behind, it is hard to catch up. If you are significantly behind in your mortgage payments, your mortgage holder may try to repossess your home through foreclosure proceedings. A Missouri debt attorney can help. We’ll explain your options and help you find the solution that’s best for you. To learn more, contact the St. Charles bankruptcy attorneys at Licker Law Firm at (636) 916-5400.
• Chapter 13 Bankruptcy   
• Chapter 7 Bankruptcy   
• A St. Charles, Missouri Consumer Guide to Bankruptcy   
  A & L, Licker Law Firm, LLC handles bankruptcy cases for individuals and companies in the St. Louis metropolitan area. When you just can’t pay your debts, bankruptcy may be an option. Bankruptcy can stop the sale of your house, harassing creditor calls and wage garnishments. Learn more about bankruptcy. Call Licker Law Firm at (636) 916-5400 to schedule a free consultation.

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Frequent Questions for Bankruptcy:

• What does it mean when I receive Form 1099c from a creditor?
  
• Why can't I list my cell phone in line 37 of the B22 form? 
  
• What is bankruptcy?
• Who can file bankruptcy?
• How often can a debtor file bankruptcy?
• Who lets creditors know about a debtor's bankruptcy?
• What does the trustee do?
• What happens at a creditors meeting?
• What is a reaffirmation agreement?

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Videos about Bankruptcy:

• The benefits of filing a chapter 13
• The process of filing for bankruptcy explained by Bankruptcy Attorney Katie New
• Emergency Chapter 13 Bankruptcy Filing
• What happens to my credit when I file for bankruptcy?
• How long do I have to wait until I can file for bankruptcy again?

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Web Resources for Bankruptcy:

• American Bankruptcy Institute- Should I file for Bankruptcy?

  Description: Many clients are concerned about their decision to file for bankruptcy. The link leads to an article of the American Bankruptcy Institute that provides a checklist for the questions if bankruptcy is the right option.

• Bankruptcy Attorney San Diego

  Description: Raymond Schimmel, 1094 Cudahy Place, Suite 310, San Diego, California 92110

• Bankruptcy Attorney Tuscaloosa, Alabama

  Description: C. Park Barton, Jr.
  2621 7th Street
  Tuscaloosa, AL 35401

• Bankruptcy Attorney Westlake Village & Santa Barbara

  Description: John D. Faucher, Hurlbett & Faucher, 5743 Corsa Ave., Suite 208, Westlake Village, CA 91362, 3324 State Street, Suite O
  Santa Barbara, CA 93105

• Bankruptcy Lawyer Los Angeles

  Description: ED LOPEZ LAW, 3600 Wilshire Boulevard Suite 1716, Los Angeles, CA.
  

• Duncansville Bankruptcy Attorney

  Description: David M. Axinn,104A Hollidaysburg Plaza;Duncansville, PA 16635

• Fort Lauderdale Bankruptcy Attorney

  Description: Fort Lauderdale Bankruptcy Attorney Donnie Goodwin,200 SE 6th Street • Suite 404 • Fort Lauderdale, FL 33301

• Freehold Bankruptcy Attorney

  Description: Tomes & Hanratty PC, 30 Broad Street, Freehold, NJ 07727

• Orange County Bankruptcy Lawyer

  Description: Orange County Bankruptcy attorney will help you with chapter 7 and chapter 13 bankruptcy fillings and get you debt free.

• Tampa & St. Petersburg Bankruptcy Attorney

  Description: TAMPA OFFICE (Main & Mailing): 406 N. Morgan Street, Tampa, FL 33602, ST. PETERSBURG OFFICE: 3530 1st Ave. N, St. Petersburg, FL 33713

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