Should I File Bankruptcy?
Topeka Attorneys Helping You Get The Fresh Start Only The Federal Bankruptcy Laws Can Give You
Category Archives: Financial Help
Bankruptcy-It Could Happen to Anyone
Divided We Fail
Medical Bills Bankruptcy Americans
How Can I Afford to File Bankruptcy?
How can I afford to file bankruptcy?
If I can’t pay my bills, how can I afford to pay my bankruptcy attorney?
If I can’t pay my bills, how can I afford to pay my bankruptcy attorney? Part Two
Representing yourself
How much does bankruptcy cost?
Cost of filing bankruptcy
I Feel So Guilty Filing Bankruptcy
People seeking debt relief often feel guilty about filing for bankruptcy. We are raised to pay our debts and conditioned to feel bad when we can’t. In fact, people will go to extreme measures, such as depleting the retirement account, to avoid bankruptcy.
When you can’t pay your bills because your credit card lenders have raised [...]
Why Did They Stop Sending My Mortgage Statements After Bankruptcy?
Most home mortgage lenders who send monthly statements to their borrowers will stop sending statements once a bankruptcy is filed. They will stop withdrawing automatic payments form your bank account. They claim sending the statements and withdrawing your funds might be seen as a violation of the bankruptcy automatic stay on collection and they [...]
Help for Student Borrowers When School Closes
Student loans are not generally discharged in bankruptcy, but what happens when the school closes and the student does not receive the education she borrowed the money for? As long as the school closed within 90 days of enrollment or the last day attended, there is a remedy for student loan borrowers (but it is [...]
Cold Weather Rule Applies in Bankruptcy
The Cold Weather Rule protects Kansas residential utility customers who cannot fully pay their winter electric or gas bill from shutoff. The Cold Weather Rule will be in effect from November 1 to March 31.
The Cold Weather Rule generally prohibits any disconnection of service when the local National Weather Service forecasts that the temperature will [...]
Pay Child Support or Lose Your Professional License in Kansas
PAY CHILD SUPPORT OR LOSE YOUR PROFESSIONAL LICENSE, INCLUDING YOUR LAW LICENSE
When a person who holds any kind of professional license or certification in Kansas owes past due child support equal to or greater than three months of child support and has failed, after reasonable opportunity, to comply with any payment plan, 2009 HB 2201 [...]
What Does Charged Off Mean?
Charged Off: This is an accounting term that means the creditor does not expect to collect on the debt. It relates to the creditor’s taxes. It starts time periods under the Fair Credit Reporting Act. It does not mean that the debt is no longer legally enforceable.
What is the Automatic Stay?
Automatic stay: The injunction issued automatically upon the filing of a bankruptcy case which prohibits collection actions against the debtor, the debtor’s property or the property of the estate. See Relief from Stay on terminating the injunction.
Topeka Bankruptcy Attorneys Named 2009 Super Lawyers
Our attorneys at the Bankruptcy Law Office, Mark Neis and Jill Michaux, have been chosen for inclusion on the 2009 Missouri & Kansas Super Lawyers list. Only five per cent of Missouri and Kansas attorneys are chosen each year.
The Super Lawyers selection process includes a statewide survey of lawyers, peer nominations based on 12 indicators [...]
Video: Do I Need a Lawyer to File Bankruptcy?
You need a lawyer to file bankruptcy. Without an attorney, you may lose your property and may not get your debts discharged by the bankruptcy.
You need a bankruptcy attorney to advise you:
whether to file bankruptcy,
what chapter to file,
what exemptions to claim.
You expect a board certified specialist for your doctor. Expect it for your lawyer, too. [...]
Retired, Broke, Bankrupt
The over-55 crowd is the mostly likely age group to declare bankruptcy, the AARP says. This group is carrying mortgages, home equity loans and credit card balances.
According to an AARP study, over half of this group spends most of their income paying down debt. A quarter of these folks pay over 75% of their [...]
Video: Bankruptcy Basics Overview
Introduction to Bankruptcy
Running Time (2:38)
Women & Money
An eight-week series of classes designed for women of all ages, regardless of income or financial education. Learn from the experts about banking and credit, insurance, investing basics, investing for retirement and much more.
September 24 – November 12, 2009
6:00 to 8:30 p.m. on Thursdays
Washburn University – Topeka, Kansas
Registration is due September 15, and space is [...]
Debt Settlement Company Files Bankruptcy, Leaves Consumers in the Lurch
The debt settlement company, Debt Relief USA of Addison, TX, which several of my clients have had the unfortunate experience of signing up with, filed for Chapter 11 bankruptcy relief today in Dallas with about $5 million in debts owed to thousands of consumer debtors it was supposed to be helping. They took in payments [...]
Income Tax Calculator
Here is an income tax calculator from the Internal Revenue Service. Remember, this doesn’t include Social Security (7.65% or 15.3% if self-employed), Medicare, or state income tax. The IRS website includes a section for itemizing deductions.
-
Jill Michaux & Mark Neis
Attorneys at Law
Bankruptcy Law Office
Neis & Michaux, P.A.
825 Bank of America Tower
534 S. Kansas Ave., Ste. 825
Topeka, KS 66603-3446
T: 785-354-1471
F: 785-354-1170
lawyers@neismichaux.com
Board Certified in
Consumer Bankruptcy Law
by the American Board of
Certification