James Russell Brown’s Answers

James Russell Brown

Saint Louis Chapter 7 Bankruptcy Attorney.

Contributor Level 8
  1. Car Loans/Car repossession

    Answered almost 4 years ago.

    1. James Russell Brown
    2. Tara Leigh Goodwin
    2 lawyer answers

    You need to look through the terms of your contract. There will be details on there as to how long a lender will wait before repossession. In Missouri, most creditors will give you a notice of default and ask for payment before they repossess. You will get a notice of repossession before it is sold. If it is sold, you may be able to get it back through a Chapter 7 bankruptcy. If you are having trouble maintaining your debts, it is probably worth a look. James R. Brown Castle Law Office...

    1 person marked this answer as helpful

  2. Chapter 7 and vehicle co ownership

    Answered almost 4 years ago.

    1. James Russell Brown
    2. Mitchell Paul Goldstein
    2 lawyer answers

    Thank you for the question. We frequently get this question in our office posed to us by our clients and the co-debtors of our clients. I will answer each question using the numbers you provided in the original post. 1. Your standing with the bank and your credit should not be affected. However, careful monitoring of your credit report is necessary. People make mistakes and that includes the employees of the 3 major credit bureaus. You will need to watch your credit report to make sure your...

    1 person marked this answer as helpful

  3. Credit

    Answered almost 4 years ago.

    1. James Russell Brown
    2. Mark Hankins
    3. Charles Ross Smith III
    3 lawyer answers

    Technically, a bankruptcy can be on your credit report for up to 10 years...but ask yourself this: what will your credit look like if you don't do anything about your debt? If you haven't yet filed bankruptcy and are weary of the effect it will have on your credit, you can take solace in the fact that bankruptcy stops the aging process. Your credit has an opportunity to turn around if you get in control of your debts. If you have already filed bankruptcy, remember to practice good credit-...

    1 person marked this answer as helpful

  4. Is there such thing as Credit Card debt relief available?

    Answered almost 4 years ago.

    1. James Russell Brown
    2. Mark Hankins
    2 lawyer answers

    You may be looking into debt settlement as an alternative to bankruptcy but I must caution you to be careful. The debt settlement industry is rampant with scams and fraud. If the debt settlement office is legitimate, they can still only attempt to renegotiate your debt. It will probably not wipe out your debt. Plus, a debt settlement office can't protect you from your creditors. Chapter 7 bankruptcy is a legitimate solution to credit card debt--and it can protect you from harassment or...

    1 person marked this answer as helpful

  5. How can I save my home

    Answered about 4 years ago.

    1. James Russell Brown
    1 lawyer answer

    The truth of the matter is the answer to your question truly depends on what you want to do with the house yourself. Either way, there are options available to you as well under the bankruptcy code. Based on the fact that there are many options available to address whether or not you want to remain in the home, the best thing for you to do is to contact a local bankruptcy attorney. This is the kind of question that is entirely dependent on your situation--and the kind of question that free...

    1 person marked this answer as helpful

  6. Can filling bankruptcy interfer with student loans?

    Answered almost 4 years ago.

    1. James Russell Brown
    1 lawyer answer

    I’m sorry to hear about your situation. I know that many times bankruptcy can help relieve just the type of stress that you are describing. Now regarding your student loans – in most instances the bankruptcy will not interfere with your ability to borrow for education. This is especially true for federal loans. The US government is prohibited from discriminating against you just because you filed bankruptcy. This includes allowing you to borrow for education. Your existing loans will also...

  7. Chapter 13

    Answered almost 4 years ago.

    1. James Russell Brown
    2. Mitchell Paul Goldstein
    2 lawyer answers

    I am an attorney in St. Louis, so my answer is based on the rules for the Eastern District of Missouri. If the case was filed in a different district, the rules may be different. It would be best to check with the attorney who filed the case to have that question fully answered. However, in the Eastern District, there are two ways that he could have gone about it in his plan. He may have protected his co-debtor and paid the whole note off in the plan. If the whole debt was not being paid...

  8. Can personal ch. 13 bankruptcy affect my business?

    Answered almost 4 years ago.

    1. James Russell Brown
    1 lawyer answer

    The answer to your question depends on a lot of factors, namely whether the debt associated with the business is personally guaranteed or not. If the business debts are strictly associated with the business and hold no personal guarantee, then the answer is probably no. If, however, the debt was incurred by your husband personally, you may be facing a little more complicated situation. This is exactly the kind of question I would take to a bankruptcy attorney. Getting an hour with an...

  9. Can my husband re-file his chapter 13 due to getting hurt on the job, only getting workmans comp.

    Answered almost 4 years ago.

    1. James Russell Brown
    2. Mitchell Paul Goldstein
    2 lawyer answers

    This is a potential issue for Chapter 13bankruptcy--and it's really great that you knew to ask! I would encourage you to explore chapter 13 as an option to saving your home, but act quickly. As you probably know from your foreclosure letter, your sale date is not far off. If you do decide to speak with a bankruptcy attorney about filing Chapter 13 again, make sure you explain the implication of your husband's injury case with a bankruptcy. We are actually one of the few firms that does both...

  10. If i have a warrant out due to not paying my ticket (not using my turn signal) do i need to get a lawyer or what should i do

    Answered about 4 years ago.

    1. James Russell Brown
    2. Alan James Brinkmeier
    2 lawyer answers

    You absolutely want to have the warrant recalled, as this can keep you from getting gainful employment, cost you to lose an existing job, or land you in jail. A call to a traffic attorney is usually an easy solution to this big problem. Most jurisdictions will allow an attorney to withdraw a warrant on your half once you've retained them. James R. Brown Castle Law Office of St. Louis, P.C. 500 N. Broadway, Suite 1400 St. Louis, MO 63102 (314) 344-0800 (314) 241-7889 - fax www....