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Our 3 Step Process

Step 1:
Get Out Of Debt

Step 2:
Clean Up Your Credit

Step 3:
Build Your Score


The Basics of the Bankruptcy Process

The decision to file for bankruptcy is a very important and personal decision.  If you are considering filing for bankruptcy there are a number of things to consider and a number of common pitfalls to avoid.  Even after making the decision to file for bankruptcy you probably still have many questions about how the process […]
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Discharge of Debt

A debtor can obtain a discharge of debt by filing for bankruptcy.  A discharge debt releases the individual’s personal liability for many types of unsecured debts.  A discharge prevents creditors from making any collections efforts upon the debtor including phone calls, letters, and threats. Many types of unsecured debt can be discharged, including credit card debt, pay […]
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Wage Garnishment in a Chapter 7 Bankruptcy

A wage garnishment is one of the most devastating forms of collecting a debt. General creditors, such as credit cards and medical bills, can often take up to 25% of the debtor’s net pay. Debts owed to taxing authorities, such as the IRS, more may be taken. With many people living paycheck to paycheck, a […]
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A Brief Guide About the Chapter 7 Bankruptcy Means Tests

Many Missouri residents wonder what the Chapter 7 bankruptcy test are and how they are used to determine eligibility for Chapter 7 bankruptcy relief. It turns out that the means tests used to determine Chapter 7 bankruptcy eligibility are a series of number-based tests that use information about a debtor’s income and expenses to determine […]
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The Difference Between a Bankruptcy Discharge and a Reaffirmation Agreement

Those who are considering bankruptcy oftentimes have questions regarding the various terminologies – as it can be confusing. When going through the bankruptcy process, it is important to understand the difference between a bankruptcy discharge and a reaffirmation agreement.   How Does a Bankruptcy Discharge Work?  Many people view bankruptcy because it discharges, or releases them […]
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How Debt Settlement Works

If you are seeking to avoid bankruptcy and truly are attempting to pay off all of your debt, then a debt settlement program could be an option for you. Debt settlement companies typically can negotiate a settlement for you with your creditors and oftentimes this helps to reduce your debts to approximately half of their […]
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Is Bankruptcy Right for You?

Everyone has heard the term “bankruptcy,” and many believe that it is a simple matter of going before a judge and ridding themselves of all of their debt.  This is not the case, and both traditional and newer laws may impact one’s decision to file. Definition of Bankruptcy At its core, bankruptcy is a legal […]
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Who will benefit from filing Chapter 13?

Filing for a Chapter 13, also known as a wage earner’s plan, can help those who have tried all the other means in ditching their outstanding debt. By filing for Chapter 13, the debtors can not only avoid foreclosure or repossessions but can also pay back a part of  their debts over three to five […]
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Advantages of Filing for Chapter 7 Bankruptcy

Mounting debts and a slow economy have made the repayment of loans an uphill task for most debtors. Debts may spiral out of hand especially when faced with unforeseen incidences, such as the loss of a job or significant hospitalization. There are many options to bail you out of these tight spots, such as debt […]
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Everything You need to Know about Consumer Bankruptcy

The Bankruptcy Code, which is listed in the United States Code as Title 11, has undergone various amendments since its enactment. The Bankruptcy Code ensures a well laid out legal procedure to deal with the debts of both individuals and businesses and forms a common federal law to govern all bankruptcy cases.   Typically a […]
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