Kansas City Bankruptcy Attorney

Kansas City Bankruptcy Lawyer

Take control of your life and get a fresh start !
Stop Harassing Phone Calls
Stop Foreclosures
Stop Respossessions
Stop Lawsuits

FIRST HOUR OF CONSULTATION IS FREE

Call (816) 479-2700

or email us

ONLINE QUESTIONNAIRES

carriesue@lawinkc.com

If you're looking for someone who has experience and expertise in Kansas City, you'll find what you need at the Law Office of Carrie Sue Doxsee. Most people who file need to do so because of an illness which kept them from working, divorce, or a change in their job. With the economy in such bad shape, we have many clients who are unemployed through no fault of their own. Our clients are not lazy bad people. Our clients are people who had a bad break here and there. They just need a little help to get on the road to financial health again.

Don't feel defeated--make a change to improve your life. We are here to encourage you and help you make it through to the other side. There is light at the other end of the tunnel. Stop foreclosures, garnishments, repossessions and lawsuits. Let us help you. Call today!

ONLINE INTAKE FORMS

Filing requires a great deal of effort on your part. Right now you may not think you have any energy to move forward. We are here to help. You can do your intake form online and save it as you go. Here is how:

Go to www.stopmybills.com

Password: lawinkc

Do not feel like you must fill out the entire form prior to your first appointment.

Please note: This office is a debt relief agency as defined by the bankruptcy code. We help people file for relief under this code.

For Kansas City bankruptcy law help, you need look no further than the Law Office of Carrie Sue Doxsee. Our top priority is always giving our clients the best possible representation. We understand this is a difficult time for you; let us help make it a little easier! Call our office today.

Click here for the credit counseling course.

Call for a free consultation.
816-479-2700

carriesue@lawinkc.com

Law In Kansas City
721 NE 76th
Kansas City , MO 64118

Did you know.....?

  • Both spouses do not need to file together.
  • Some taxes are dischargeable after 3 years.
  • Bankruptcy will stop a lawsuit, foreclosure or repossession. One the bankruptcy case is filed there is an automatic stay which protects the debtor. The creditor cannot move forward without permission of the bankruptcy Judge.
  • You likely won't ever have to go in front of a Judge. You will, however, have a meeting with the Trustee.
  • Some debts are non-dischargeable: alimony, child support, certain taxes, student loans, overpayments by the government (unemployment or social security), criminal restitution, carr accident with alcohol or illegal substances involved, and fraud.
  • You will have to take a credit counseling course before you file and a financial management course after you file. I sign you up for your class and most of it is completed over the internet or by phone.
  • You can dump your house, car or other secured debts without being liable for deficiencies (you won't owe anything even if you are upside down).
  • You might be able to strip your second mortgage in a Chapter 13 case IF you house is not worth anything more than you owe on the first mortgage.
  • If you are upside on your vehicle and your loan is more than 3 years old, you could pay the creditor only the value of the vehicle/ what it is worth?

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is intended for people who do not owe alimony or child support and who do not have funds left over at the end of the month after they have paid their reasonable living expenses. Further, the Debtor needs to be current on any house or secured debt (such as a vehicle) IF they want to keep them.

CAUTION: you do not want to file Chapter 7 bankruptcy when you are in the middle of a trial period on a loan modification. Also, you do not want to file your Chapter 7 and then attempt a loan modification or you may risk losing your house.

For the average person filing Chapter 7 bankruptcy, they are likely to be done in 6 months.

Chapter 13 Bankruptcy

Chapter 13 is intended for someone who falls into the following category:

1. Owes child support or alimony;

2. Is behind on their mortgage and wants to try to save their home;

3. Is behind on their car payments and wants to keep their vehicle;

4. Has some money left over at the end of the month but can't pay all their credit card minimum payments;

5. Owes a good deal of taxes;

6. Can't qualify for a Chapter 7 case for a particular reason such as they have a prior Chapter 7 case in the last 8 years.

KC Bankruptcy Lawyer

Call (816) 479-2700

 

Top 10 Leading Cause of Bankruptcy

These percentages represent the reasons an individual files for bankruptcy. Multiple sources were combined to average the top reasons why Americans filed.

Medical Costs & Bills (42%)

Recent studies conducted have shown that 42% of all personal bankruptcy filings are a result of extensive medical expenses. The studies also revealed that 78% of those who filed had health insurance.

Job Losses & Unemployment (22%)

Over 2 million Americans are unemployed, which makes themfar more likely to file for bankruptcy in this study. Unemployed Americans often pay for their health insurance out of pocket and not by an employer.

Uncontrolled Spending Habits (15%)

Extensive c redit card bills, over extended very large mortgages, and expensive luxury car payments contribute greatly to bankruptcy filings. Uncontrolled spending money habits can put Americans on a direct path to a filing.

Divorces (8%)

Legal fees, child support payments, alimony paymentsand the financial weight of providing for a whole household on only one income can result in great financial stress. Divorce stats are nearly 50% in USA.

Natural Disasters (7%)

Unexpected natural disasters such as earthquakes, floods, or a hurricane can be almost impossible to prepare for by anyone. If a homeowner is not holding insurance when a hurricane strikes, theres a high likelyhood it will lead to filing.

Trying To Avoid Foreclosure (1.5%)

An individual can spend their whole life time preparing to purchase a house. Just to avoid going into foreclosure, alot of Americans will file to re-organize their debt.

Poor Financial Planning (1.5%)

Not having a well thought out and sound financial plan can lead to filing. Finance professionals recommendstarting a savings account forthe potential unplanned expenses that could lead to added debt.

Loss of Home Utilities (1%)

Along with house foreclosure is the potential risk of losing home utilities. Keeping the lights turned on and a house warm at night can be a major factor for someone to submit filing.

Unpayable Student Loans (1%)

Some s tudent loans will not be eliminated like other debt, but it can be possible to consolidate some student loans with a filing.

Attempt To Prevent A Repossession (1%)

If a creditor is attempting to reposses your car, filing may force them to return the car to you, andpossibly any other personal items that may have also been repossessed.

Call Now - (816) 479-2700