<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[A&L Licker Law Firm]]></title><description><![CDATA[Bankruptcy Law Firm that specializes in Chapter 7 and Chapter 13 for the Eastern District of Missouri and Western District of Illinois]]></description><link>https://www.lickerlawfirm.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Thu, 28 May 2026 21:19:26 GMT</lastBuildDate><atom:link href="https://www.lickerlawfirm.com/es/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Can Bankruptcy Stop Foreclosure?]]></title><description><![CDATA[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 time and breathing...]]></description><link>https://www.lickerlawfirm.com/post/can-bankruptcy-stop-foreclosure</link><guid isPermaLink="false">6a1724acf840e8662c43281f</guid><pubDate>Wed, 27 May 2026 17:11:04 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b92ca8_fb42ca2289ec4c12a5a2f4a8862da220~mv2.png/v1/fit/w_1000,h_793,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>A &amp; L, Licker Law Firm, LLC</dc:creator></item><item><title><![CDATA[Understanding Chapter 13 Bankruptcy]]></title><description><![CDATA[Helping Missouri &#38; 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 debts, Chapter 13...]]></description><link>https://www.lickerlawfirm.com/post/understanding-chapter-13-bankruptcy</link><guid isPermaLink="false">6a171cd94c995691f675808c</guid><pubDate>Wed, 27 May 2026 16:45:45 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b92ca8_c875352af571454895943aa8e5f938e4~mv2.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>A &amp; L, Licker Law Firm, LLC</dc:creator></item><item><title><![CDATA[Understanding Chapter 7 Bankruptcy]]></title><description><![CDATA[Helping Missouri &#38; 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 creditors. However,...]]></description><link>https://www.lickerlawfirm.com/post/understanding-chapter-7-bankruptcy</link><guid isPermaLink="false">6a17113fe39bc17a59ba3d5a</guid><pubDate>Wed, 27 May 2026 15:54:36 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b92ca8_bd0a203de1844d8682d2d95c274caaa2~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>A &amp; L, Licker Law Firm, LLC</dc:creator></item><item><title><![CDATA[Bankruptcy &#38; the IRS]]></title><description><![CDATA[Filing for bankruptcy might be a solution to your tax problems. There are certain circumstances which allow for full or partial discharge of income taxes. In addition, in a chapter 13 you can pay the potion of the tax debt that cannot be discharged over a period of up to five years.   Depending upon […]]]></description><link>https://www.lickerlawfirm.com/post/bankruptcy-the-irs</link><guid isPermaLink="false">6a1726cee7ae03e6441e3bac</guid><pubDate>Thu, 31 May 2012 22:04:09 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b92ca8_4ea045d3c84f457192334612ee244c52~mv2.jpg/v1/fit/w_240,h_180,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Tobias Licker</dc:creator></item><item><title><![CDATA[How Will Filing for Bankruptcy Affect My Credit Score? By St. Charles Bankruptcy Attorney Tobias Licker]]></title><description><![CDATA[Filing for bankruptcy can provide relief by allowing you a fresh financial start. When you file for bankruptcy you will stop the harassing phone calls from creditors and debt collection agencies, you will be discharged of most or all of your debt and you may even be able to keep your home. However, filing for […]]]></description><link>https://www.lickerlawfirm.com/post/how-will-filing-for-bankruptcy-affect-my-credit-score-by-st-charles-bankruptcy-attorney-tobias-lic</link><guid isPermaLink="false">6a1726d1a7aaf20e8c52c355</guid><pubDate>Thu, 08 Mar 2012 22:15:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b92ca8_3a8e81d39c144ad98225c625afb36f9a~mv2.png/v1/fit/w_1000,h_979,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Tobias Licker</dc:creator></item><item><title><![CDATA[When to File Chapter 13, by Bankruptcy Attorney in St. Charles, MO Tobias Licker]]></title><description><![CDATA[If facing foreclosure or repossession, a Chapter 13 bankruptcy filing may be the right option for you Filing for bankruptcy is an option for some people who are simply buried in debt. An individual, couple or company may file for bankruptcy due to a change in income or a loss of revenue. Certain circumstances may […]]]></description><link>https://www.lickerlawfirm.com/post/when-to-file-chapter-13-by-bankruptcy-attorney-in-st-charles-mo-tobias-licker</link><guid isPermaLink="false">6a1726d1a7aaf20e8c52c359</guid><pubDate>Mon, 05 Mar 2012 22:40:19 GMT</pubDate><enclosure url="http://youtu.be/DPEwhdv3Shk?si=59pjx4RenxI84t2b" length="0" type="video"/><dc:creator>Tobias Licker</dc:creator></item><item><title><![CDATA[What does the Bible say about debt, by St. Louis Bankruptcy Attorney Tobias Licker]]></title><description><![CDATA[Bible and Bankruptcy, Part 1 by Bankruptcy Attorney in St. Louis Tobias Licker What does the Bible tell us about bankruptcy? The authors of the Bible didn’t know about Chapter 7 and Chapter 13, however, the question what happens if a debtor cannot afford to pay back his debt is older than currency itself. One […]]]></description><link>https://www.lickerlawfirm.com/post/what-does-the-bible-say-about-debt-by-st-louis-bankruptcy-attorney-tobias-licker</link><guid isPermaLink="false">6a1726d1a7aaf20e8c52c35a</guid><pubDate>Mon, 27 Feb 2012 20:08:13 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b92ca8_003da38a17d14c28a72bc1b9b38efd99~mv2.jpg/v1/fit/w_150,h_123,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Tobias Licker</dc:creator></item><item><title><![CDATA[What is a hardship discharge in a Chapter 13 bankruptcy case?]]></title><description><![CDATA[The hardship discharge is a great tool in chapter 13 bankruptcies to help debtors get a discharge when they cannot complete the chapter 13 for reasons outside of their control, such as becoming disabled or losing their job. The possibility of a hardship discharge is often overlooked, unknown or not correctly applied. Under §1328(b) U.S.C. […]]]></description><link>https://www.lickerlawfirm.com/post/what-is-a-hardship-discharge-in-a-chapter-13-bankruptcy-case</link><guid isPermaLink="false">6a1726d1a7aaf20e8c52c354</guid><pubDate>Thu, 23 Feb 2012 19:54:30 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b92ca8_b02e5ff91c724c0da5a6e403f94bb707~mv2.png/v1/fit/w_1000,h_916,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Tobias Licker</dc:creator></item></channel></rss>