At the Middlesex County Low Cost Bankruptcy Center, Lucid Law, you receive personal, direct service from Edison bankruptcy attorney Karina Lucid. You are not handed off to junior staff under the supervision of an attorney like large firms. We will personally help you through the complicated bankruptcy process. Find 1 listings related to Low Cost Bankruptcy Attorneys in South Kansas City on karacto.xyz See reviews, photos, directions, phone numbers and more for Low Cost Bankruptcy Attorneys locations in South Kansas City, Kansas City, MO. Bankruptcy attorneys on how much it costs, court and attorney fees involved in filing Missouri or Kansas bankruptcy. Call () for a free quote.
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Our attorney fees under Chapter 13 are charged on an hourly basis and paid through the Chapter 13 Plan after receiving Court approval. Cases not utilizing direct pay or Wage Orders are subject to higher Initial Fees. If you have a question about a credit card payment, please call our Office Manager at The Fee for Chapter 7 and Chapter 13 bankruptcies is the amount paid to your attorney for case preparation.
This includes client consultations, phone calls, and preparing all filings and documents needed for the Court. Fees also include attending hearings and keeping you informed.
Costs include the court filing fee, our cost to obtain an up-to-date credit bureau report and full payment of your required credit counseling and financial management courses, both required by law. We help people file for Bankruptcy Relief under the Bankruptcy Code. The information contained on this website is not to be construed as legal advice.
It is not intended to solicit or form an attorney-client relationship. We do not guarantee any result and prior results do not guarantee a similar outcome. This is an attorney advertisement and this website is for informational purposes only. The Sader Law Firm. Free Telephone Consultation Book an Appointment NOW. Send to My Email. Click for Directions. Search for:. Neil was available to us any time we had questions, concerns or issues.
Neil made a most diffcult time in our lives much easier for us…" Stan. If you are looking for a great bankruptcy attorney I would certainly recommend The Sader Law Firm…" "Dear [Neil], thanks again for your personal touch with my chapter 7 BR. Read More. Click Here for Directions. The trustee is the person assigned by the court to handle your Chapter 7 bankruptcy in Kansas. As mentioned before, you have to provide a copy of your federal income tax return to the trustee at least 7 days before your meeting.
You will find out the name and contact information for your trustee, as well as the date set for your creditors' meeting shortly after filing Chapter 7 in Kansas when you receive the official notice from the court. Since each one of the trustees operates independently, they all have a different system for doing their due diligence. That's why it is important to keep an eye out for a letter from your trustee after your Kansas bankruptcy has been filed, as they may request certain other information from you.
Even though the trustee does not represent you, you both share a common goal: the orderly administration of your Chapter 7 bankruptcy in Kansas. That is why it's important to carefully review any correspondence you receive from the trustee assigned to your case. Other documents they may request from you include recent paycheck stubs, bank statements, and documentation about your assets, such as copies of your vehicle titles or mortgage documents.
In addition to adding the credit counseling requirement, Congress also added a requirement that everyone filing bankruptcy in Kansas take a debtor education course. This course can only be completed after your case has been filed. Instead of providing information about debt relief options, this course aims to educate people who are in a Kansas bankruptcy on how to responsibly manage their finances going forward. The idea is to set you up for the best possible financial future once you obtain your discharge.
That is why you won't be eligible to have your discharge entered unless and until to complete the course. While there is no hard deadline take the course, if you haven't done so by the time the discharge is supposed to be entered, the court may close your case instead. The same companies that offer the prefiling course in-person also offer this financial management course in person. However, as before, you are also able to complete the course online or by phone. Once done, find out whether your provider will file a certificate of completion with the court in your Kansas bankruptcy case; if not, make sure you file this certification instead as that is the only way the court will know that you completed the course.
The meeting, or creditors' meeting as it is also called, is the one time everyone filing Chapter 7 in Kansas has to go to court. The primary purpose of this meeting is for the trustee that is handling your case to ask you certain questions in person and while you are under oath. This is also the time the trustee verifies that your name and social security number match the name and social security number on your bankruptcy documents.
That's why it's important to make sure that you have two acceptable forms of identification when you go to your creditors' meeting. The meeting is called a creditors' meeting because technically your creditors may attend and ask you questions while you are under oath as well, but that rarely happens. The typical meeting for a Chapter 7 bankruptcy in Kansas takes less than 10 minutes, including the ID check and the administration of the oath.
If you are nervous, worried or stressed about the meeting, you shouldn't be. It's easy enough to prepare for the meeting and as long as you remember to take a deep breath and answer truthfully it will be over before you know it.
Most people who file a Chapter 7 bankruptcy in Kansas walk away from the meeting surprised by how truly painless it was. If you have a car loan you are still paying on when you file Chapter 7 bankruptcy in Kansas, your car will play two distinct roles in your case. First regardless of whether you owe money on it, your vehicle is an asset you own.
The loan that is associated with your car is a secured debt. How you deal with the debt is up to you. You can either walk away completely and surrender the vehicle to the creditor. Your Kansas bankruptcy enables you to do that and your discharge protects you from having to pay the balance left on the loan.
There is, of course, a couple of ways to deal with the loan that will allow you to keep the car instead. One such option utilized by a lot of people filing Chapter 7 in Kansas is entering into a reaffirmation agreement with the bank. This prevents your personal liability on the car loan from being discharged, but as long as you continue to make the payments as set forth in the reaffirmation agreement the terms typically track the terms of the original loan, though every now and then a lender may agree to modify the terms in your favor as part of the reaffirmation process you get to keep the car.
Once the loan is paid off, you will own the vehicle free and clear as though you never filed Chapter 7 bankruptcy in Kansas. You are only eligible to file Chapter 7 bankruptcy in Kansas if you pass the Kansas bankruptcy means test. First, your income in the 6 months prior to filing your Kansas bankruptcy case is compared to the median household income for a household of your size.
If you exceed the income limits , you may only file a Chapter 7 bankruptcy in Kansas if part two of the Kansas means test for bankruptcy determines that you are unable to pay even a portion of your debts as part of a Chapter 13 bankruptcy. The Chapter 7 bankruptcy forms you will use for your Chapter 7 bankruptcy in Kansas are a combination of the national forms used across the entire United States and the Kansas bankruptcy forms used only in the Sunflower State. When your Kansas bankruptcy is filed with the court, you will have to use this Kansas bankruptcy form to disclose the income you earned in the 60 days prior to filing your case.
All of the Kansas Chapter 7 bankruptcy forms can be downloaded for free from the form section of court's website. If you plan on filing your Chapter 7 bankruptcy in Kansas without a lawyer "pro se" , you should carefully review the court's Pro Se Debtor Handout to learn all the specific requirements imposed by the Kansas bankruptcy laws and procedures.
It is also important to note that the court will not allow you to bring your cell phone into the courthouse. Whether you are at the courthouse to file your Kansas bankruptcy case, attend your meeting, or for any other reason, you will have to return your phone to your car or leave it with building security on your way in. If you have lived in the Sunflower State for at least two years at the time your Chapter 7 bankruptcy in Kansas is filed, you are required to use the Kansas bankruptcy exemptions to protect your assets.
Kansas has opted out of the federal bankruptcy exemptions , other than the protections the federal bankruptcy exemptions provide for a debtor's right to receive certain benefits, such as social security benefits, a veterans' benefit and more.
If you file a Kansas bankruptcy case but you haven't lived in the state for two years, you have to look to the laws of the state you lived in 2 - 2.
Since exemption laws can be difficult to navigate at times, hiring a lawyer for your Kansas bankruptcy case can be a good investment. Not everyone who needs the help of a lawyer for their Chapter 7 bankruptcy in Kansas can afford to hire one.
Kansas Legal Services, Inc. Robert J. Andrea Wimmer, Esq. While in private practice, Andrea handled all ban Take our bankruptcy screener to see if you're a fit for Upsolve's free web app! Upsolve is a c 3 nonprofit that started in Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app.
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Summary If you are unable to afford a lawyer to help you with your Chapter 7 bankruptcy in Kansas you can file without one, saving on legal fees.
Collect Your Kansas Bankruptcy Documents Filing bankruptcy in Kansas requires quite a bit of legwork before you ever go to court. Take Credit Counseling When the Bankruptcy Code was last amended, Congress included a provision requiring everyone filing bankruptcy in Kansas or elsewhere in the United States take a credit counseling class. Complete the Bankruptcy Forms The bankruptcy forms are the documents everyone filing bankruptcy in Kansas has to submit to the court. Print Your Bankruptcy Forms If you are filing bankruptcy in Kansas without a lawyer "pro se" you cannot use the court's electronic filing systems to submit your documents to the court.