Serving Northeast Missouri and West Central Illinois
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January 14, 2015

As a bankruptcy attorney, the first thing I do when I meet with clients for the first time, is to go over a budget estimate I asked them to fill out in advance.  Many people have no idea what their gross or net income is per month, let alone how much they are spending on […]

September 24, 2014

Ms. Vicki Dempsey was recently interviewed by KHQA’s Derek Frank.  Vicki discussed the fears that many face when considering bankruptcy, check out the  interview here. If you or someone you know is considering bankruptcy contact our office for a free consultation today.

July 14, 2014

Recent Changes in Social Security There is a partisan attack on Social Security Disability recipients in this country and it is having fallout for our clients.  There is a perceptible chill running through the Social Security Administration. The federal government sequester resulted in the laying off of personnel in the fall of 2013. Judges who […]

June 23, 2014

A week doesn’t go by that we don’t see clients with questions about Social Security Disability Insurance (SSDI) who do not qualify because they have not paid into the Social Security system.  Self-employed farmers, construction workers, truck drivers, or other small business owners are seldom advised about what it takes to build up credits with […]

May 8, 2014

Applying for Social Security Disability benefits can mean facing two or more years of loss of income.  How should someone dealwith this financial crisis?  Bankruptcy can give some relief, but the timing is important and depends on a number of factors:             1.  Is the Claimant single or married?             2.  Does the Claimant have […]

March 5, 2014

The Social Security Administration, SSA, will begin to offer expedited processing to veterans with permanent and total, P&T, service connected compensation benefits from the Veterans Benefits Administration, VBA.  The 100% Permanent & Total Veterans Initiative  will go into effect  on March 17th and allow severely disabled veterans a fast track to Social Security Disability, SSD, […]

January 24, 2014

Time of Changes for Disability Clients Our disability practice continues to grow and in this issue we will discuss some of the changes and challenges we are facing.  The Veteran’s Administration remains seriously understaffed and dogged by time delays.  It is still a challenge just to receive records.  For Social Security Disability Insurance and SSI […]

January 3, 2014

On January 2, 2014 the Clarity Community Health Center began to take patients on a sliding scale basis for family practice and mental health at Preferred Family Healthcare at 4355 Paris Gravel Road in Hannibal, Missouri. On February 1, 2014 Clarity Community Health Center will move to its new location at 141 Communication Drive in […]

November 6, 2013

If you filed bankruptcy BEFORE 2005, and you are having financial problems again, once it has been eight years, you are eligible to file again.  However, the law was changed in October, 2005, and you need to be aware of two things: the “means test” and debtor counseling/education. The “Means Test” is the Bankruptcy Court’s […]

October 15, 2013

Frequently, divorce causes debt, or financial difficulties lead to a divorce.  The stress of dealing with overdue bills and creditors calling can put a strain on any marriage.  If you are considering a divorce and have substantial joint debt, you should file bankruptcy before a divorce is final.  By doing this, the debt division is […]

Nation Association of Consumer Bankruptcy Attorneys
The Missoui Bar
NOSSCR
Illinois State Bar Association