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Heartland Law llc
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A credit counseling course must be completed within 180 day pror to the filing of the bankruptcy petition. Be wary of just any course, not all are approved by the bankruptcy courts. Contact our office, we can present you a list of approved agencies to consider.

One of the most important reasons for the bankruptcy discharge is to protect small business owners. If small business owners could not protect themselves with bankruptcy, they would be reluctant to take financial risks and our economy would be damaged. Bankruptcy gives the small business owner an opportunity to start over again.

Here are some successful people who have gone through bankruptcy: Thomas Jefferson, Abraham Lincoln, Donald Trump, Henry Ford, Walt Disney, and the founders of Hershey’s Chocolate and Heinz Ketchup. You can be successful after filing bankruptcy too.

Before a debtor can file for bankruptcy, they must take a credit counseling course beforehand and then a financial management course before the discharge can be granted. This requirement has been in effect since 2005, when the bankruptcy code was revised. These courses are intended to educate debtors and to aid in positive financial management.

Once the credit counseling course became a necessity for filing for bankruptcy and receiving a discharge, people were under the impression that obtaining bankruptcy protection became more difficult. It's really just a matter of knowing what steps to take beforehand to ensure a successful outcome.

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Divorce Rates Declining In The U.S.:

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Graduation? Communion? Bar Mitzvah? Best Tips for Event Planning for Divorced Parents:

Bankruptcy allows those who cannot pay their creditors to start fresh, by legally discharging most or all of their debts. Whether you’re an individual or a business, we work to make the process safe, secure, and fast. And most importantly, we treat you with respect and understanding.

If you have a family law issue, please don’t hesitate to give us a call at (816) 842-6700. All initial half hour consultations are entirely free of charge. We look forward to working with you and your family.

We handle many of the issues families face:
Divorce and legal separation (uncontested or contested)
Spousal maintenance
Division of property
Child Custody
Child Support
Modification of Child Support, Child Custody, or Maintenance
Civil Contempt of Court
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