Affordable Family Law Lawyer
O Fallon MO

Affordable Family Law Lawyer
O Fallon MO

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Michael Hanson, skilled attorney of over 30 years, can provide unparalleled service and personal attention to your case. Please call Hanson Law at 636-240-6130 for a free consultation.
Serving O’Fallon and all of St. Charles, St. Louis, Warren and Lincoln counties

Mr. Hanson prepares every contested case as though it will go to trial.  Whether you stand accused of a crime, are fighting for child custody, have suffered from a car accident, or been injured at work, our accomplished trial lawyer has the talent and courtroom experience to fight for you.

His reputation for quality trial advocacy allows him to negotiate from a position of strength or argue any case before a judge or jury.  Mr. Hanson also uses his more than 30 years of experienced to help people receive debt relief through bankruptcy. 

Michael R. Hanson - Attorney at Law
Serving Missouri For Over 30 Years

Michael R. Hanson - Attorney at Law 

Affordable Family Law Lawyer
O Fallon MO

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Learn More About Affordable Family Law Lawyer
O Fallon MO

We know that financial hardships can happen to anyone.  Unplanned medical expenses, divorce, job loss and other financial hardships can make it difficult to pay your bills. Bankruptcy may be the best solution to help resolve those hardships and get a fresh start without the burden of unaffordable debt.


 636-240-6130   

Affordable Family Law Lawyer 
O Fallon MO

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Affordable Family Law Lawyer
O Fallon MO FAQ

Affordable Family Law Lawyer
O Fallon MO
QUESTIONS ANSWERED...

How Does O’Fallon Bankruptcy Attorney, Michael R. Hanson Can Help You?

Answer...

O’Fallon Bankruptcy Lawyer, Michael R. Hanson – Getting Rid of Your Debt:

We know that financial hardships can happen to anyone.  Unplanned medical expenses, divorce, job loss and other financial hardships can make it difficult to pay your bills. Bankruptcy may be the best solution to help resolve those hardships and get a fresh start without the burden of unaffordable debt.

For 30 years, we have filed Chapter 7 bankruptcy cases.  We’ll walk you through the bankruptcy process every step of the way.  We offer free initial consultations where we would be happy to answer all of your bankruptcy-related questions and determine what options you have in your individual situation.

O’Fallon Bankruptcy Attorney – Chapter 7:

Chapter 7 bankruptcy is the most common form of bankruptcy filed.  It is known as a "fresh start" bankruptcy, as it allows you to regain control of your finances and start fresh with your debt.  After completing a court-approved financial counseling session, you begin the process by filing a bankruptcy petition.  This document requires information about you, your assets, your debts, and your current budget.

O’Fallon Bankruptcy Lawyer – Guiding You Through the Process:

Along with the petition, you will need to provide documentation regarding your wages and other income, bank accounts, retirement accounts, insurance policies, prior divorce decrees, proof of the value of your real estate and vehicles, and past tax returns.  Because the purpose of these filings is to provide the bankruptcy trustee with an accurate picture of your financial condition, it is critical that you fully reveal all of your assets and all of your debts, even those debts you wish to keep, such as your house and your vehicles.

You are allowed specific exemptions of real and personal property under state law.  This means you may be able to keep some of your property.  When you hire Michael R. Hanson, he will explain these exemptions to you.  In many cases, after applying the state exemptions, debtors will own nothing for the trustee to claim, sell and pay out to your creditors.

O’Fallon Bankruptcy Attorney – Helping You Wipe Out Debt:

A successful Chapter 7 bankruptcy filing is to discharge or wipe out your qualifying unsecured debt.  Unsecured debts are when the creditor does not hold any security (title), such credit cards, medical bills and pay day loans.  You may also discharge secured debt, such as a house and vehicle, but if you do, the creditor has the right to foreclose on your house or repossess your car. In addition, certain debts by law are not dischargeable, such as child support and alimony obligations, student loans and certain taxes.

O’Fallon Bankruptcy Lawyer – Finalizing Your Bankruptcy:

The next step is the meeting of creditors, also called a 341 hearing.  At the creditor meeting, you will present your driver's license or state identification and your Social Security card to the bankruptcy trustee who will verify your identity.  The trustee will then ask you questions about the petition, specifically about your assets, and tape record your answers. The trustee will then provide an opportunity for any creditor who come to the meeting to ask you questions. Rarely do creditors appear.

About two months after the hearing you will obtain a paper in the mail entitled Discharge of Debtor, which indicates that the file has been closed and those debts that can be discharged have been discharged. Once a debt has been discharged, you are no longer obligated to make payments.


Which bankruptcy choice will enable me to maintain my home?

Answer...

For those with a steady revenue that exceeds Phase 7's limitations, but who deal with unrestrainable financial debts, Phase 13 may be the best (otherwise only) choice. One of the benefits of a Phase 13 bankruptcy is that the borrower usually retains much of their building. Under Chapter 7, various kinds of residential or commercial property might go through liquidation or sale, to settle lenders. State regulations differ on the sorts of residential or commercial property thought about qualified (nonexempt) or disqualified (excluded) for sale in a Phase 7 case. Check out FindLaw's Exempt vs Non-exempt Building Under Phase 7 to find out more and particular instances.

Can I pick which type of bankruptcy to submit? Just how do I pick the best one?

If you satisfy the qualification needs for both Phase 7 as well as Phase 13 bankruptcy, after that you might pick which type to submit. Or else, you might not have a choice.

Those with an earnings more than the average income for a similarly sized family members are not eligible for Chapter 7 if they would certainly be able to settle some of their unprotected financial debt within five years. To be eligible for Phase 13, you must not surpass a particular level of debt (see Private Financial debt Change for present restrictions). If you don't satisfy these demands, then Chapter 13 bankruptcy is not offered to you.

Generally, those who have a selection in the matter select Phase 7 bankruptcy, given that they might be able to have all of their financial obligations discharged (besides the financial debt covered by the proceeds of liquidated residential or commercial property). Chapter 7 likewise can be a much faster procedure than Phase 13. Nonetheless, Phase 13 might be the most effective alternative for those who have appropriate revenue as well as substantial assets.

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O Fallon MO

Affordable Family Law Lawyer O Fallon MO
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What to Try to find in a Bankruptcy Lawyer

What to Look for in a Bankruptcy Attorney

A big part of discovering the best bankruptcy legal representative is understanding the necessary top qualities. When you know what you're seeking, you'll be able to ask the best questions and ultimately, hire the most effective bankruptcy attorney for you.

If you're not exactly sure where to discover a bankruptcy lawyer, start by checking out Exactly how to Discover a Good Bankruptcy Legal Representative

Prior to Consulting with a Bankruptcy Lawyer
When you're surfing on-line directory sites, calling legal representatives of good friends, or obtaining names from a bar association, you'll wish to gauge each attorney by unbiased criteria. Below are some points to search for in an attorney.

Experience.
Search for a skilled bankruptcy attorney. You'll wish to ask the legal representative concerning the sorts of bankruptcy situations the lawyer takes care of. Some lawyers favor accepting Phase 7 instances, as well as others limit their method to Chapter 13 bankruptcy. Other attorneys do a blend of both. The majority of bankruptcy attorneys with a little method don't approve Chapter 11 cases because of the intricacy. Eventually, you'll want to choose a bankruptcy lawyer that consistently manages the phase you intend to file.

Skills.
Overall, when it concerns bankruptcy law, you're far better off with a skilled specialist than a recent grad or an attorney who hasn't submitted many situations. As a result of the oversite of the bankruptcy trustees, it would be unusual for an inept bankruptcy lawyer to stay in technique long. Likewise, bankruptcy involves a lot of working parts, as well as mistakes can be pricey. Most knowledgeable legal representatives that don't take care of bankruptcy issues will not accept bankruptcy instances. Request references from previous customers, as well as, ideally, talk straight to those customers.

Practical fees.
Prior to you make a visit, find out what the legal representative typically bills for a Chapter 7 or Phase 13 situation. Cheaper isn't much better when you have a complicated issue, and also you won't want somebody cutting corners. You likewise will not desire your case managed by a "bankruptcy mill" that cranks out bankruptcy paperwork without giving customers specific attention. On the various other hands, if your matter is straightforward, it could not injure to make the most of a deal. Search to learn what most bankruptcy lawyers charge in your location.

Find out more regarding Bankruptcy Lawyer's expenses and also Cost Frameworks.

When Consulting with a Bankruptcy Legal representative.
Many lawyers will give the first examination for free. Yet also if an attorney charges, it might be worth the money to spend for a couple of consults to locate the best legal representative. Below are some points to assess in the first meeting:

Accessibility of the attorney.
When making an appointment, ask to speak directly to the legal representative. Also, you'll wish to figure out whether a legal assistant will be dealing with the regular elements of your situation under the guidance of a lawyer. Additionally, ask for how long it will take for your call to obtain returned as well as concerning organizing appointments. Whether you fit with the response will certainly depend upon your needs.

Clarifies the law.
Ask certain inquiries. You'll desire clear, succinct responses that are easy to understand. Inevitably, you need to leave understanding that you remain in good hands.

Pays attention to your concepts.
If your legal representative is awkward with you doing your homework, it's a warning. It may recommend that they do not feel great in their abilities. Others welcome customers that are well-informed and ready to take part totally in their situation. If you intend to investigate your options, you'll desire a bankruptcy lawyer that considers your point of view and also embraces it when proper.

Provides referrals.
One of your objectives at the preliminary meeting is to discover what the attorney suggests in your issue. Go house as well as consider the attorney's pointers. If they don't make sense or you have other reservations, call someone else.

Discloses malpractice insurance coverage conditions.
Does the legal representative carry malpractice insurance policy? If the response is no, that might be a trouble for you. But keep in mind that negligence insurance policy is even more safety of the lawyer than the customer. The fact that a legal representative is guaranteed could make it much more as opposed to much less difficult to recover damages from the legal representative if she or he is professionally negligent. Generally, you're searching for competency so negligence will not end up being a concern, to begin with.

Regardless of just how knowledgeable, if you don't feel comfortable with the legal representative throughout the initial conference, you'll want to keep looking.

Ready to Get Help? We Love To Hear From You

CONTACT Michael R. Hanson - Attorney at Law 

Michael R. Hanson
Attorney at Law

225 South Main - Suite 250
O'Fallon, MO 63366

P: 636-240-6130

We help people file for bankruptcy relief under the Bankruptcy Code. The choice of a lawyer is an important decision and should not be based solely upon advertisements.

Michael R. Hanson - Attorney at Law
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