Attorney Vicki Dempsey saw an injustice in Missouri law and has been successful in getting it changed.  Dempsey has practiced bankruptcy law for 28 years and has represented thousands of people in Chapter 7 and 13 cases.  In 2011 she filed a case for a couple in Missouri who had substantial medical bills.  Sadly, a few months after […]

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 […]

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 […]

1. If someone has sued me, I can’t file bankruptcy on that debt. If a credit card or medical provider has taken you to court, and even started garnishing wages, you still can wipe out that debt in bankruptcy.  If the lawsuit has to do with child support, taxes, or is a criminal matter, that debt is probably […]

     Most people would love to pay back their debts if they could.  However, before signing up with a “debt consolidation” program or “debt settlement” company you have talked to over the phone or theinternet, you should talk in person with an attorney, like us at Dempsey, Dempsey & Moellring.  We willgo over your budget and see […]