Monday, December 23, 2013

St. Louis Bankruptcy Attorney Insights: Bankruptcy and Refinancing


I've been a St. Louis bankruptcy attorney for 10 years. During this time I've helped hundreds of homeowners stop the Missouri foreclosure process and given them a second chance at keeping their home. 



Many people don't know that homeowners who are in an active Chapter 13 case for one year may be able to refinance their home mortgage with a new lender after filing their Chapter 13 cases. This applies even for homeowners who filed their Chapter 13 bankruptcy case in order to stop a Missouri foreclosure sale. 



Chapter 13 bankruptcy clients who wish to refinance while their Chapter 13 case is active must make their monthly mortgage payments which come due each month after their case is filed, on time, and make their Chapter 13 plan payments on time in order to be able to refinance with a new mortgage lender.



If you live in Missouri... like Jefferson County, Franklin County, St. Charles County, or anywhere near St. Louis and are considering filing for Chapter 7 or Chapter 13 bankruptcy, I want you to have my FREE SPECIAL REPORT at no charge. It reveals tips and strategies good people who've suffered through tough times can use to turn things around. Just visit StLouisBankruptcyAttorneyHelp.com to get your own copy sent to you right away. 



As an additional bonus, I would be glad to meet with you for a no cost, no commitment consultation to help you explore your options so that you may determine which debt relief option is best for you.




For additional resources visit:





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Friday, December 20, 2013

St. Louis Bankruptcy Attorney Insights: Need Help with Pre-Bankruptcy Counseling?


I've been a St. Louis bankruptcy lawyer since 2003. If you're considering filing for bankruptcy, you are probably wondering what steps you need to take beforehand.



Before the filing of any type of bankruptcy case by an individual, the bankruptcy client must complete a specially designed pre-bankruptcy counseling courseand submit the certificate of completion for the course to the client's bankruptcy lawyer. The pre-bankruptcy counseling is required prior to the case filing even when the client has an emergency such as an immediate need to stop foreclosure of the client's real property.



The bankruptcy client should give the counseling agency the fax number or e-mail address for the client's bankruptcy attorney and request the counseling agency send the certificate of completion to the bankruptcy lawyer. The pre-bankruptcy counseling must be completed within 180 days prior to the filing of Debtor's case. If a client completes the counseling course and waits 181 days or more to file the case, the counseling must be repeated before the bankruptcy attorney may file the client's case. 



The counseling agencies typically charges $25.00-$50.00 for the pre-bankruptcy counseling depending on the agency and sometimes depending on whether the counseling is completed via the internet or telephone. For clients who have very limited income, a fee waiver may be obtained from the counseling agency.



If you live in Missouri... like Jefferson County, Franklin County, St. Charles County, or anywhere near St. Louis and are considering filing for Chapter 7 or Chapter 13 bankruptcy, I want you to have my FREE SPECIAL REPORT at no charge. It reveals tips and strategies good people who've suffered through tough times can use to turn things around. Just visit StLouisBankruptcyAttorneyHelp.com to get your own copy sent to you right away. 



As an additional bonus, I would be glad to meet with you for a no cost, no commitment consultation to help you explore your options so that you may determine which debt relief option is best for you.




For additional resources visit:





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