Articles from St. Louis Bankruptcy Attorney Blog of the A & L, Licker Law Firm, LLC

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Which Option Is Best For Me…Chapter 7 or Chapter 13?

Submitted by Anonymous (not verified) on Fri, 08/16/2013 - 19:50

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 […]

Why Can’t I Get My School Transcript After Filing Bankruptcy?

Submitted by Anonymous (not verified) on Mon, 08/05/2013 - 16:32

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 […]

Why Can’t I Get My School Transcript After Filing Bankruptcy?

Submitted by Anonymous (not verified) on Mon, 08/05/2013 - 16:32

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 […]

Why Should I Hire an Attorney for Bankruptcy?

Submitted by Anonymous (not verified) on Wed, 07/10/2013 - 05:05

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 […]

Rebuilding Your Credit After Bankruptcy

Submitted by Anonymous (not verified) on Thu, 05/23/2013 - 16:35

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 […]

Will My Judgment or Settlement be Discharged in Bankruptcy?

Submitted by Anonymous (not verified) on Thu, 05/23/2013 - 16:10

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 […]

Missouri Anti-Mediation Foreclosure Bill Gaining Traction

Submitted by Anonymous (not verified) on Tue, 05/07/2013 - 23:36

In an update from a previous post, a bill that would prevent local governments from being able to require lenders to offer mediation to homeowners facing foreclosure is nearing passage in the Missouri Senate. The bill, passed by the Missouri House of Representatives a few weeks ago, would directly oppose ordinances passed in St. Louis [...]

Illinois Supreme Court Adopts Foreclosure Mediation Requirements

Submitted by Anonymous (not verified) on Thu, 05/02/2013 - 04:12

        Last week, I gave an update on the status of foreclosure mediation ordinances in St. Louis City and St. Louis County that are currently being challenged in the courts by lenders in Missouri. On the other side of the river in Illinois, the Illinois Supreme Court has adopted new rules allowing its courts to [...]

Foreclosure and Mediation Ordinances in St. Louis and St. Louis County

Submitted by Anonymous (not verified) on Wed, 04/17/2013 - 23:24

Recently, the Missouri State House of Representatives passed a bill that would supersede the ordinances requiring mediation before a lender forecloses on a home in St. Louis or St. Louis County. The bill is now being sent to the Senate and would likely prevent the city and county from enforcing their ordinances.   The ordinances [...]

“Can I Keep My Car?”

Submitted by Anonymous (not verified) on Thu, 03/28/2013 - 14:53

This question has to be one of the most frequent questions I hear as a bankruptcy attorney.  Most people believe that if they file a bankruptcy they are going to lose everything, including their vehicle.  That, in most cases, is just simply not true.  In Missouri, you can protect up to $3,000 in vehicle equity [...]

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