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Casey Puckett
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LIMITED TIME - Start with 50% Down & Pay The Balance Within 30 Days ~ Call us at (316) 312-4748 & Request Your Appointment Today ~ Thanks For The Great Business Kansas!  
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UNCONTESTED DOCUMENTS
---------------------------------------
3014 E Harry . Wichita, KS 67218
show contact info Appointment Line
Open Mon-Fri 9am-5pm

According to FREE INFORMATION:

How does bankruptcy work? 

A summary of bankruptcy, why it exists and what it can do.

The basic idea has been a part of our society as long as history itself. The practice of filing bankruptcy is hugely common in the United States. Millions of Americans file bankruptcy every year. It is likely that many people you know filed bankruptcy. They just don't tell everyone.

The basic idea is that every seven or eight years, people should have their debts forgiven. Bankruptcy could be said to be the "anti slavery" law. Think about it. If you owe more debts than you can ever pay, and all you do is work day after day to pay those debts, what are you? Are you really free? Is it fair to lend someone money and then force them to work until they die in order to pay it back? Our society says it is not fair to do that. So, we created bankruptcy laws. They are a legal way that people can get freedom from their debt every 8 years. These laws are particularly important to protect borrowers from predatory lending. Predatory lending is when you give someone money and intentionally make it very hard for them to pay it back. Predatory lenders use high interest rates, finance charges, excessive late fees, and administrative difficulty (long hold times and difficult channels of contact) to make it harder for you to pay them back. Why? So they can make money. They lend $100 and they get paid $200 back. Our government created bankruptcy to protect you from these predatory lenders, and in order to give you a break when you are unable to pay your debt.

When you file bankruptcy you are basically telling the court three things,
1- I cant afford to pay this debt anymore
2- I don't have anything that you could sell in order to pay creditors. (most of my clients are allowed to keep their house and cars)
3- I am an honest person. I got this debt thinking I would be able to pay it back, but things happened and I couldn't keep up.

If these three things apply to you, and you feel like you could say them to the court, bankruptcy was created for you. Bankruptcy can give you a new fresh start without creditor harassment.

Information Published & Used in Part/Source of Information: http://waltzerlawgroup.com/how-does-bankruptcy-work/
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More than 7% OUR wages garnished CNN - $299.99 Bankruptcy - 1 wk only! (3014 E Harry Uncontested Docs)

CNN Money Personal Finance - Published 09/20/2014
by Blake Ellis & shared only in part 

When you're only earning $29,000 a year, getting your paycheck slashed by $400 a month can be financially devastating.

"Having that $400 back would do wonders," she said. "I wouldn't have to worry how my kids are eating, and if my kids need new shoes I could get them new shoes and I wouldn't have to worry that I would be taking that money from some other necessity." 

And Small is just one of millions of Americans being hit with wage garnishments.

More than 7% of workers nationwide had their wages garnished last year, according to a report from payroll processor ADP conducted as part of an investigation by ProPublica and NPR. The rate was highest -- at 10% -- among people earning between $25,000 and $39,999 per year. More than 40% of garnishments are for child support payments. Tax debts make up about 20%, and the rest are for other consumer debts like Small's.

Source: http://money.cnn.com/2014/09/30/pf/wage-garnishing/
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“The journey of a thousand miles begins with a single step.” 
― Lao Tzu
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“The journey of a thousand miles begins with a single step.” 
― Lao Tzu
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10 Positive Habits That Change People

1. Trust karma.
But when you do something good, be genuine and do it from your heart, not because you’re expecting something good to happen to you later.
2. Volunteer.
That one hour you spend talking to that pregnant teenage mother or that one hour bonding with that orphan might (just might) change the course of their lives more than you could ever imagine.
3. Embrace your emotions (So long as you’re not hurting others).
We’re meant to feel happiness, fear, sorrow, anger, disappointment, jealousy, passion, love… the full spectrum. I believe it’s what makes us more humble, human, more accepting and patient.
4. Count your blessings… Every. Single. Day.
Never take anything for granted. There’s always someone out there in circumstances far worse than yours. So stop pitying yourself, pick yourself up, and be the fighter you know you are.
5. Cherish every moment with loved ones as if it was the last.
I tell my parents and little brother that I love them as often as I can (we’ve all lived in separate continents for almost 10yrs now so it’s not easy). I’ve had too many friends who’ve lost loved ones without having the chance to hold them one last time or say “I love you” one last time; scars like these take a very long time to heal.
6. Judge less, accept more.
No one is perfect. Everyone has a story, a battle of some sort, that no one else knows about. Keeping this in mind has helped me tame my (previously unstable) temper!
7. Meditate.
I’ve never been more in tune with my own body and learned to take care of myself emotionally, mentally and physically until I learned to meditate properly.
8. Lists and more lists!
I know this sounds a bit ridiculous but this has changed my life in ways you cannot image. I’ve become so much more organized and focused. I forget less. And believe it or not, it’s helped me gain more confidence and get over breakups easier!
9. Find an outlet to your emotions.
Your body is nothing but a medium, a vessel; and it can only handle so much. Embracing your emotions is important but releasing those emotions is just as important (yes, even the good ones)! Find an outlet that helps you use your emotions constructively. Mine is writing in the diary I’ve kept since I was 11, listening to music, singing, dancing and sketching.
10. Last but not least, follow your heart but take your head with you. 
Ask yourself twice if you really need that new pair of shoes you say you love when your shoe-rack is already crumbling under the weight of two dozen pairs. Ask yourself twice if you’re really dating him/her because you genuinely like them or because deep down you’re feeling lonely. Life is short. Don’t waste your time on mistakes that could’ve been easily prevented by thinking twice and having an honest conversation with yourself!
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When to Move Forward with Bankruptcy

Below are a few "red flags" that can indicate that your current financial situation is untenable. In these cases, bankruptcy may offer the only way out:

1. You're putting everyday necessities onto credit cards

Consistently putting groceries or gas on the credit card because you have no available cash is a big red flag that you are on an uphill treadmill of debt. Most people do this because they spend their entire paycheck on debt payments.

This type of pattern makes your situation worse -- you spend $100 on your minimum payment, but you need $100 in groceries, so you charge it to the card you just paid. Your total debt will actually go up from this money trade because of interest.

2. You're paying one credit card with another

Paying one credit card by taking out a cash advance or transferring the balance to another card is just a stalling tactic and doesn't make your debt go down. If this is a one-time thing, it's not necessarily a red flag, just a sign of a temporary crunch. But if this happens regularly, your debt will go up stratospherically.

3. Your interest rates have already gone up due to missed payments

It's hard enough to dig yourself out of debt when it's at a reasonable interest rate. But if you've missed a payment or two, many lenders, especially credit card companies, will jack up your interest rate to 30% or more. Once the rate is that high, most of your payment each month is going towards interest and very little is going towards principal.

Plus, the interest rate hike will also increase your monthly payment, which you may already have a hard time paying. If you have unpayable debt at high interest rates, and aren't able to negotiate lower rates with the lender, bankruptcy may be a viable option.

4. You're already working a second or third job

For many people, getting an extra income is enough to diminish their debt. But not always. If taking on a second or third job helps pay your monthly bills, that's a great start. But if your debt is already so large that an extra 10 hours of work per week isn't denting it, you may need to consider more extreme measures, such as bankruptcy.

5. Your wages are going to be garnished

In extreme cases, a lender can get a court order to garnish your wages. This means they will make an arrangement with your bank or employer to take money directly out of your paycheck. Your wages can only be garnished if you take home at least 40 times the minimum wage each week (i.e. the equivalent of working full time at minimum wage). But since that's not very much money to begin with, most people develop additional financial problems if a lender garnishes their wages and will increase their debt with other lenders.

If you have received notice that a lender is attempting to garnish your wages, declaring bankruptcy will prevent this order from going forward, at least temporarily. Plus, you may be able to have the debt dismissed.

6. Debt-related stress is affecting your work and personal life

It won't help your financial situation one bit if you're so worried over debt that you can't focus at work and get fired. If debt problems are interfering with your life to a significant extent, declaring bankruptcy might go a long way towards improving it.

7. You're considering taking money from retirement accounts to pay debt (or you already have)
This is money for your future. If you pull that money out, you're not only robbing your future self, but also creating a tax bill that might become one more debt you can't pay. Since many retirement accounts are protected in bankruptcy, avoid pulling any money out if you're considering declaring it.

8. You've already tried the alternative methods above and are still seeing your debt increase every month

If, despite all your best efforts, you're not making an appreciable dent in your debt, it may be time to petition for bankruptcy.

Source of Information: http://www.moneycrashers.com/when-reasons-why-file-bankruptcy/
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11% Off Sale GOING ON NOW & we accept payments!  
LIMITED TIME OFFER - Expires 5/31/2015 - NEW LOCATION!
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Offering $299 Kansas Ch7 Bankruptcy with $100 down! We help you help yourself. We are a non-lawyer document preparation service. Office is located in Wichita at UNCONTESTED DOCUMENTS 3014 E Harry, Wichita, KS . Come by or call us we accept appointments at 316-312-4748 open Monday at 9 am. This special is for new customers only & not valid with any other offers - expires 05/22/2015!
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Ok I'll ck schedule and call thxs
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“The journey of a thousand miles begins with a single step.” 
― Lao Tzu
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Start with 1/2 Down & Pay Balance Within 30 Days

7 Steps To Stay Positive After A Divorce

When a relationship ends you don't just divorce a partner, you divorce a life. The life together and future plans you built around the relationship are ending. You also enter a lengthy, and potentially draining, legal process. It can feel like you're starting a marathon run without any prior training.
How can you stay resilient through this challenging process?

1. Get physically healthy.

If you do not have an exercise routine, now is the time to start. Try walking, joining a gym, or taking community classes. Anything that gets you moving helps you feel better about yourself, and improves your health when you need it the most.

2. Stay organized.

Divorce is a confusing and overwhelming process. Keeping all your records and personal documents well-organized goes a long way in giving you some sense of control. A notebook by your bedside can be a great resource when those burning questions about the legal process or financial matters pop into your head in the middle of the night. Jotting down questions to research in the morning can help you get back to sleep. A file box to keep legal documents can help you maintain organization and a sense of keeping "it" separate from your daily routine.

3. Have a plan to manage your emotions.

Divorce is painful, scary, and sometimes a lonely process. Resist the urge to do something when emotions overwhelm you. Get off Facebook or other social media. Don't let sleepless, 3am emotions turn into communications that you will regret. Try shutting off your phone, and putting your computer away at night. Again, have a notebook by your bed to write out a long rant if needed. If you cannot keep yourself from writing an email, draft it, do not send it, until you have reviewed it in the morning.

4. Stabilize your life as much as you can.

Don't move if you can avoid it. If necessary, consider taking a temporary apartment in your neighborhood (especially if you have children). Don't change jobs, make extravagant purchases, or start new romantic relationships. You need your energy to focus and move forward with your life.

5. Grieve.

Anger will eventually be replaced by a need to mourn what has ended. Whether or not you wanted a divorce does not matter. When a life you had planned is over, give yourself time to grieve and let go so your future can open up. Forgive yourself if necessary be kind to yourself always.

6. Explore what is important to you now.

Are there interests you put aside when you got married or started a family? Get curious about what has meaning for you now. Take classes, read about new things, and create a "Wish Board" full of pictures to inspire a new beginning. Focus on your future.

7. Get support along the way.

An attorney can handle the legal issues. Other professionals, like a counselor or knowledgeable finance expert can help your understand the issues, many times more affordable than an attorney. Friends and family may or may not understand what you are going through, but unbiased support is critical. Find a Divorce Coach who can help you stay organized, future focused, and resilient through the process.

Following these seven steps will empower you, educate you and remove much of the fear and uncertainty that lies ahead. Remember this: When relationships end and nothing is certain, everything becomes possible.

Source: http://www.mindbodygreen.com/…/7-steps-to-stay-positive-aft…
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Thank you for your business!  A true blessing, have a great weekend!  See you on Monday!
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"Committed to providing a professional, cost-effective self-help document for our neighbor." At 1624 S. Rutan . Great Midwest Building . Wichita, Kansas 67218 (316) 312-4748 Direct Line Office Open 8 am - 5 pm, Mon-Sat by appointment only please.
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