Category Archives: Collections

Filing for a bankruptcy can eliminate debts that have been placed in collections and stop phone calls from collection agencies.

How Do I Stop a Wage Garnishment?

There are a number of consequences you can face for falling behind on your debt obligations. You could experience financial problems due to a wage garnishment. This is where the creditor obtains a judgment and then attempts to collect on that judgment through a garnishment on  your wages. With federal student loans, past due taxes and child support, a judgment is not necessary. The latter examples are cases that involve government entities. Not only are wage garnishments embarrassing because your employer finds out, a fairly decent chunk of your pay may be withheld to satisfy the debt.  You may have a couple of options for stopping a wage garnishment for debts. Bankruptcy and negotiating with the creditor are two possible options for getting rid of a wage garnishment.  How Filing for Bankruptcy Can Stop a Wage Garnishment Bankruptcy can halt credit collection attempts, including wage garnishments, because an automatic stay…
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Mechanic’s Lien Defense – Move It or Lose It!

This is syndicated content that was originally published on by Attorney Michael J. Wambolt of Sader Law Firm. Spring and summer kick off home improvement season here in Missouri and around the country. History shows a correlation between home improvement projects and an increase in mechanic’s lien lawsuits. When confronted with mechanic’s lien claims, many secured creditors rightly focus on whether they hold a purchase money deed of trust and whether the claimant complied with all statutory notice requirements. A less obvious defense centers on whether a mechanic’s lien claimant has diligently prosecuted its claim against all known or reasonably knows parties. Statutory requirements to timely prosecute a Mechanic’s Lien Claim. In Missouri, mechanic’s liens are creatures of statute and are governed by Chapter 429, RSMo. If a claimant fails to comply with applicable statutory requirements, the mechanic’s lien fails as a matter of law. Two such requirements are…
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How Do You Check Your Credit Rating?

Last week’s blog discussed the potential negative consequences caused by having a low FICO score from any of the three credit agencies (Equifax, Experian and TransUnion). However, it is difficult to improve your credit score if you do not know what is on your reports from these agencies. There are several places where you can check your credit rating and report, including This is the website where you can pull one free report from the three credit bureaus each year. However, this website involves some preparation, which we have explained in a prior blog. If you get your personal information wrong during this process, then you may have to start over and call the credit bureaus directly. There are other places where you can pull your credit reports. Unfortunately, many of these services are not free. com: You can pull your credit scores from This website is operated…
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