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Legal Insights & Resources
Stay informed with helpful articles and guides on bankruptcy, personal injury, and your legal rights.
Our blog is here to provide answers, clarity, and peace of mind.
Choosing Bankruptcy Options: Find the Right Bankruptcy Option for You
When financial difficulties become overwhelming, bankruptcy can offer a path to relief and a fresh start. However, choosing the right bankruptcy option is crucial to ensure you protect your assets and rebuild your financial future effectively. This guide will help you understand the different types of bankruptcy available, how to evaluate your situation, and what steps to take next. Understanding Your Bankruptcy Options Bankruptcy is a legal process designed to help individua
A & L, Licker Law Firm, LLC
5 days ago4 min read
Can Bankruptcy Stop Foreclosure?
How bankruptcy can help protect your home and give you the time you need to get back on track. Understanding Foreclosure and Your Options Facing foreclosure can be an overwhelming and stressful experience. The good news is that bankruptcy may be able to stop foreclosure and help you protect your home while you work toward a long-term solution. Whether you file for Chapter 7 or Chapter 13 bankruptcy, federal bankruptcy laws provide powerful protections that can give you the ti
A & L, Licker Law Firm, LLC
May 271 min read
Understanding Chapter 13 Bankruptcy
Helping Missouri & Illinois residents reorganize debt, stop foreclosure, and regain control of their financial future. What Is Chapter 13 Bankruptcy? Chapter 13 bankruptcy is a legal process that allows individuals with a regular income to create a repayment plan to pay back all or a portion of their debts over time. It's often called a "wage earner's plan" because it helps you keep your property while catching up on what you owe. Unlike Chapter 7, which eliminates certain d
A & L, Licker Law Firm, LLC
May 272 min read
Understanding Chapter 7 Bankruptcy
Helping Missouri & Illinois residents explore debt relief options with clarity and confidence. What is Chapter 7 Bankruptcy? Chapter 7 bankruptcy is a legal process designed to help individuals eliminate or discharge most unsecured debts such as credit cards, medical bills, personal loans, and more. It offers a fresh start for those overwhelmed by debt. Also known as "liquidation bankruptcy." Chapter 7 allows a court-appointed trustee to sell non-exempt assets to repay credit
A & L, Licker Law Firm, LLC
May 272 min read
Privacy Policy
This website is designed to provide to the public information concerning our services, to collect information from persons interested in contacting us to obtain those services, and to enable our lawyers to contact potential clients. This privacy policy (“Policy”) applies only to the online collection of information from users of this website. If you contact […]
Tobias Licker
Jan 6, 20219 min read
Counties we serve in Missouri and Illinois for Bankruptcy and Student loan cases
Adair County, Missouri, United Statescounty Alexander County, Illinois, United Statescounty Audrain County, Missouri, United Statescounty Bollinger County, Missouri, United Statescounty Bond County, Illinois, United Statescounty Butler County, Missouri, United Statescounty Calhoun County, Illinois, United Statescounty Cape Girardeau County, Missouri, United Statescounty Carter County, Missouri, United Statescounty Chariton County, Missouri, United Statescounty Clark County, I
Tobias Licker
Dec 31, 20201 min read
Student Loan discharge
Student loans might be discharged through bankruptcy.
Tobias Licker
Dec 30, 20206 min read
What Does It Mean To Reaffirm A Debt?
If you file a Chapter 7 and you have a secured debt, often times a car note or a mortgage, you will be asked by the creditor to reaffirm that debt. What does that mean? When a Chapter 7 debtor reaffirms a debt they agree to continue paying that obligation even after their bankruptcy case […]
Tobias Licker
Mar 28, 20142 min read
Following Through On Your Bankruptcy
The decision to file or not to file a bankruptcy can be stressful and overwhelming. Many attorneys offer free consultations to get to know the prospective client’s situation to better be able to counsel them in making a proper, informative decision. If you and your attorney decide that a bankruptcy is beneficial to you and […]
Tobias Licker
Mar 28, 20142 min read
What Is An Insider Payment?
I Owe My Family Money. Should I Pay Them Back Now? When you file a Chapter 7 bankruptcy, or even a Chapter 13, your attorney might ask you if you have paid any friends or family members any money in the last 12 months? I ask this question to every single client I meet with […]
Tobias Licker
Nov 16, 20132 min read
Pros and Cons of Corporate Bankruptcy
Should I file a Corporate Chapter 7 Bankruptcy? If you own a business and that business is struggling, bankruptcy might be a consideration for your business. This article will address filing a Chapter 7 for your business, which essentially means dissolving the business. If you file a Chapter 7 bankruptcy for your LLC or S-Corporation, […]
Tobias Licker
Nov 16, 20132 min read
What Happens To My Tax Refund
It is getting towards the time of the year when people start thinking about how much money they might receive for their tax refunds early next year. If a potential debtor is thinking about this, then a Chapter 7 or Chapter 13 Trustee will also likely be thinking about it. […]
Tobias Licker
Nov 2, 20132 min read
What Does It Mean To Get A Discharge?
If you have spoken to anyone before about bankruptcy, they probably told you that they received a “discharge” of their debts. I have noticed when I am meeting with clients for the first time and I let them know they are eligible for a discharge, often I get a look […]
Tobias Licker
Nov 2, 20132 min read
Who Can Be Listed As a Dependent?
A dependent is defined as “someone who relies on another for support; one not able to exist or sustain oneself without the power or aid of someone else.” This definition matters quite a bit if you are considering filing for bankruptcy. Times have been rather tough for some Americans as the economy has hit a […]
Tobias Licker
Sep 6, 20132 min read
Should I Convert My Bankruptcy Case?
This question may not initially be on the mind of a prospective client when they come into your office, but the situation does come up from time to time when it is in the best interest of the client who originally started their bankruptcy as a Chapter 13 to convert that case to a Chapter […]
Tobias Licker
Aug 27, 20133 min read
Which Option Is Best For Me…Chapter 7 or Chapter 13?
It is my job to know whether a Chapter 7 or a Chapter 13 is the better option for my clients. The questions that I ask at the initial consultation asked to make this determination. Most clients want to file a Chapter 7, but that is not always the best option for them. Each case […]
Tobias Licker
Aug 16, 20134 min read
Why Can’t I Get My School Transcript After Filing Bankruptcy?
Schools cannot refuse to release your transcript or diploma just because your bankruptcy case discharged a debt for tuition. This ruling came down recently from the Seventh Circuit Court of Appeals, which covers Illinois, Wisconsin and Indiana. It is true that student loans cannot be discharged in bankruptcy, except in special circumstances, such has financial […]
Tobias Licker
Aug 5, 20132 min read
Why Should I Hire an Attorney for Bankruptcy?
You may be asking yourself, “Why do I need to hire an attorney to file bankruptcy?” You may also think, “I’ve done some research and I’ve seen the forms to fill out. It seems simple enough.” The answer is: Bankruptcy isn’t as easy as a process as you may think. Time and again, we have […]
Tobias Licker
Jul 9, 20132 min read
Rebuilding Your Credit After Bankruptcy
What will bankruptcy do to my credit? This is probably the question most often asked by our clients and potential clients when they are considering bankruptcy. While each client will have a different experience based on their individual circumstances, the question to the answer remains the same. It is absolutely possible to rebuild your credit […]
Tobias Licker
May 23, 20132 min read
Will My Judgment or Settlement be Discharged in Bankruptcy?
A common question that people considering bankruptcy may have is whether or not a judgment that has been entered against them will be discharged through their bankruptcy. The short answer is that in many cases the answer is yes, but there are some circumstances that won’t discharge the debt. For example, let’s say someone has […]
Tobias Licker
May 23, 20132 min read
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