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File Bankruptcy with a Lawyer: Cheaper in the Long Run

Why You Will Save Money with a Bankruptcy Attorney in Kansas City You may have considered filing bankruptcy without an attorney. Technically, you can. However, even the US Bankruptcy Courts strongly recommend only filing with a lawyer. Bankruptcy is a powerful financial tool that can change your life and future for the better. People who truly wish to get the most out of bankruptcy and be financially secure on the other side must have a qualified bankruptcy lawyer to ensure they receive the Bankruptcy Code’s maximum benefits. Bankruptcy attorneys in Kansas City do cost money; however, you will actually save money in the long run by having a lawyer guide you through the bankruptcy process. Don’t believe us? Read on to see a few of the many pitfalls you will likely encounter if you file pro se that will end up costing you money, time and possibly result in having…
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Are You Overpaying Your Medical Bills?

For millions of Americans, medical debt creates extremely difficult financial circumstances. Past due medical bills can lead to creditor harassment, wage garnishments, and lower credit ratings. When a person is diagnosed with cancer or other illness requiring surgery and long-term treatments, the medical bills can be in the thousands of dollars. Although health insurance should cover many expenses, depending on the plan and deductible amount, patients may still have astronomically escalating bills. Millions of Americans experience this exact scenario every year, and this is on top of the emotional and physical hardship that comes with illness or an acute injury. Everyone should be aware that hospital bills are often rife with errors. It may be possible to lower the costs of erroneous medical bills with quick action. How common are medical billing errors? Statistics collected by the Centers for Medicare and Medicaid Services show that 49 percent of Medicare claims…
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Filing for Chapter 13 Bankruptcy to Save Valuable Assets

Many people facing financial difficulties see bankruptcy as a worst-case scenario where all of their possessions will be taken away. However, bankruptcy is not about what you lose, it is about all the things you get to keep. People with large amounts of debt face consequences that include foreclosure, seizure of personal property and wage garnishments. By not filing for bankruptcy, some of these people are risking their homes and other possessions of great importance. Let us explain what we mean by illustrating with a hypothetical scenario. Unexpected Medical Emergency Lands Couple in Debt Spiral John and Mary are a married couple with a combined household income of $65,000 a year. John works in a law office mailroom and Mary teaches history classes at a local high school. One day while driving home from work in rainy weather, John’s car hydroplanes and slams into a lane divider. Upon waking up…
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Legal Options Available When Your Tenant Breaches a Commercial Lease

2010 may be one of the best years ever for businesses seeking a new location. Commercial property owners are desperate to fill their vacant properties and are more likely to offer attractive terms and prices to new tenants. However, many businesses enter into commercial leases without fully understanding their terms. Commercial leases are significantly different from residential ones to which most people are accustomed. There are fewer laws that protect businesses. Additionally, commercial leases are rarely standard. They are subject to a great deal of negotiation. Regardless of whether your business is the landlord or tenant in a commercial lease, a Kansas City bankruptcy attorney at the Sader Law Firm can provide the business law expertise you need to construct or sign the best commercial lease for your needs. Commercial Lease Breach Determination Being in breach of a commercial lease is a legal determination. There are usually specific conditions that…
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