Bankruptcy Landing Page

Never Fear Debt. Understand It and Know Your Options.

Bankruptcy in the United States serves two purposes: it allows you to change your financial situation and hold your creditors at bay while you make that needed financial fresh start and can provide you a second chance that you may have forgotten you had.

Never fear the protection that the Federal Law affords.  The rights provided under the Fair Debt Collection Act and the Federal Bankruptcy Code are in your favor and are there to protect you, not to persecutor  you.  With Chapter 7 and Chapter 13, you can get a fresh start, not only with your finances but also with your life.

As a debt lawyer in Missouri, I understand the harassing tactics creditors use on individuals swimming in debt.  Every day, bills and financial obligations create a tidal wave of more worry, hopelessness, and stress. Just when you feel comfortable, caught up, or at peace, another bill arrives or another creditor calls, demanding payments you can’t afford, don’t have, and won’t be able to “come up with”.

Under the FDCPA, you can stop those creditors from harassing you.  Until you understand your rights, you are most likely fighting creditors and are afraid of bankruptcy options.  You should, however, think of bankruptcy as a “do-over” provided by the federal government.

The country’s current financial situation has forced more people to consider filing for bankruptcy to obtain debt relief.  This is especially true for senior citizens who are finding more and more that their social security payments and withering pensions are not enough and are finding those credit card bills piling up like never before.

Markwell Law provides unwavering advocacy to clients stressed about their financial situation. Regardless of what you may have heard, bankruptcy is still an option for many people.

Creditor Harassment?

We hear about overly aggressive debt collectors almost daily.  Most of the Bankruptcies I file involve some third-party debt collectors trying to coax money out of my clients.  The practices and methods taken by collection companies seem to be getting more and more aggressive as time passes and the economy continues to suffer.  The fact is, they do not operate with unlimited authority and ultimate power.  The laws pertaining to what is called “Third Party Debt Collections” are quite strict and can lead to severe consequences if these companies break those laws, and if you the consumer point it out.

Be it here in St. Charles County or otherwise, yes, they are “A Pain in the Neck”? That’s what many of you are thinking, and “neck” might not be the only term you’re thinking of when it comes to the daily harassing phone calls from bill collectors (Insert expletive here).  Yes, they are a Pain In The Neck!   They threaten they insult; they make you feel bad, and then they demand money, NOW!

Luckily, the Federal Government, with all its faults, has addressed this type of behavior on behalf of consumers.  No, it’s not alright for them to act this way, and no, they should not get away with it.  To stop them, you have to be Proactive.  Your remedy is found in several laws, state and federal, but YOU have to enforce them.  Primarily, you are protected from abusing behavior by the FDCPA and the TCPA.  Not only can you force them to stop, but you may be able to make them pay for breaking the law.

Free Initial Consultations

If you are struggling to make ends meet, you need a diligent advocate in your corner. I am available to discuss your situation at 636-486-1093, or you can send me an e-mail. I keep regular office hours in St. Charles County.

Office Location: