Category Archives: Collections

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

COVID Financial Relief for Kansas and Missouri Residents

Vaccines for COVID-19 are finally on the horizon. Unfortunately for millions of people, the vaccine will not mean relief from a crushing financial crisis. Many Kansas and Missouri residents are still out of work. This trend may continue in the near future. If you are out of work and are facing a difficult situation, there are some financial relief programs you may qualify for in Kansas or Missouri. Financial Relief for Evictions and Utilities Depending on where you live, you may have access to resources that can help prevent eviction. Kansas has the Kansas Eviction Prevention Program, also called KEPP. Unfortunately, your deadline to apply for this program, if you were eligible, was December 15.  However, the Kansas City Housing Corporation says on its website that KEPP funding might be renewed for 2021 depending on the actions of state and federal lawmakers.  There are multiple eviction prevention and bill pay…
Read More »

Posted in Collections | Tagged , | Comments Off on COVID Financial Relief for Kansas and Missouri Residents

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…
Read More »

Posted in Bankruptcy, Collections | Comments Off on How Do I Stop a Wage Garnishment?

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…
Read More »

Posted in Collections | Comments Off on Mechanic’s Lien Defense – Move It or Lose It!