If you are married and have children, debt is the last thing that you want to worry about.  Life is certainly stressful enough as it is, and having a family often involves huge responsibilities, including putting food on the table and providing for your family’s needs, whatever they may be.  Whether your family debt has been caused by losing your job, having unexpected medical expenses, or for other valid reasons, it is essential that you understand the full scope of your legal options. As you are already aware, having debt does not reduce the responsibilities that you have to your family. For these reasons, it is crucial that you speak with an attorney experienced at handling bankruptcy cases so that you are not further distracted from your roles as both a parent and spouse.

 Oftentimes, clients approach me wondering whether they should file individually or jointly with their spouse.  While there may be certain benefits to filing one way over another, both parties to a marriage are nonetheless considered responsible for each other’s debts.  For instance, if your spouse took out a credit card in his or her name only, the debt that results is still categorized as marital property, even if your spouse is the only one who has used the card.  Hence, if you are married, it is often recommended that you file jointly given how marital property is identified.

No matter what your debt situation is, we will review your case to determine when your case should be filed and what type of bankruptcy is right for you, whether it be Chapter 7 or Chapter 13.   In either case, a bankruptcy action will automatically stop:

  • Harassing calls from creditors
  • Judgment executions
  • Foreclosure proceedings
  • Personal property repossessions
  • Lawsuits by credit card companies
  • Liens, garnishments and levies

Call Me Now for a Free, Confidential Consultation

If you wish to learn more about your legal options, I invite you to contact my office to arrange a free, informative and completely confidential consultation regarding your financial situation.  From my law office in Kansas City, I am committed to helping consumers throughout the greater Kansas City area, including Missouri. Contact my law firm today to schedule a consultation Monday through Friday with evening appointments available. During a free initial consultation, I will help you determine if Chapter 7 or Chapter 13 bankruptcy is the right solution for you.