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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


What is Bankruptcy about?

The discharge and automatic stay The most important effect of filing for bankruptcy is the automatic stay. The automatic stay goes into effect when a bankruptcy case is filed. However, if you had a bankruptcy dismissed within one year prior to filing, the automatic stay is in effect for only 30 days. In these cases, […]
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Should I file for Bankruptcy- Consider your Liabilities

With easy financing over the past several years, many people have fallen into the trap of “buying now, paying later.” Unfortunately, the value of the assets we purchase with credit rarely hold their value – and may end up costing us hundreds or even thousands of dollars more than the original purchase price.  Like assets, […]
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Filing bankruptcy in Missouri or Illinois

Expenses is an area that many people do not like to talk about. Before considering bankruptcy, let’s look at your expenses first. It is, however, an area where even the smallest changes can make a huge difference in your life. If you find yourself in a situation where you have more month left than money, […]
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Test yourself, is Bankruptcy right for you?

Assets are basically what you own. Before thinking about bankruptcy, let’s look at your assets. Assets can include your home, your car, and even your savings account. Regardless of whether or not you owe any money on the item, it will still be considered an asset. Adding up all of your assets can truly be […]
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Should You File Bankruptcy?

In today’s harsh economy, more people than ever before are considering filing bankruptcy. Oftentimes, people simply do not know where else to turn – especially when the bills come in faster than the income. Although it seems like there is no way out, there are some things to consider prior to taking the next steps […]
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What Is The Means Test?

The Means Test, simply stated, is an examination of an individual’s finances to determine if he or she is eligible for government assistance. This test was used during the Great Depression to determine a family’s eligibility for Home Relief. In the 1960s it was used to issue food stamps. In 2005, the Bankruptcy Abuse Prevention […]
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Do I Need to Include All My Creditors in My Bankruptcy?

Yes, you must include all of your creditors in your bankruptcy schedules. A creditor is defined inthe Bankruptcy Code as “an entity that has a claim against the debtor that arose at the time ofor before the order for relief concerning the debtor.” This means that anyone you owe money toat the time your bankruptcy […]
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