In my time as a solo attorney the field of bankruptcy has been my biggest source of work.  My cases have been varied involving chapters 7 and 13, married folk and single, homeowners and renters, people who’ve been garnished and harassed and people that have filed not long ago.  I’m admitted to both the Western District of Missouri and the District of Kansas.

My clients have largely been hardworking individuals who got caught in the wrong industry at the wrong time and doggedly, ambitiously stick with it, trying to weather the storm.  Debts mounted, interest compounded as income remained steady or declined.  Then creditors start referring the matters to their own collection departments or sell the debts to third party collectors.  The debt collectors then begin to swarm, sometimes rather passively with monthly letters with vague threats and sometimes aggressively, operating just barely within the bounds of collection law.  My clients find themselves frustrated, trapped, drowning, depressed and often times in a battle with their pride to do anything about it.

But this is what bankruptcy law is for.  Credit card companies and loan companies have lobbyists  in their corner to make as much favor them as possible.  They have contracts that usually don’t allow for negotiations.  They are big and they hold all the cards.  Bankruptcy law provides leverage and a chance to reset things for the consumer.

If you are considering bankruptcy or are just curious I can help.