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Can The Court Ever Deny My St. Louis Bankruptcy?


Many people mistakenly believe that the court can deny you the opportunity to file a St. Louis bankruptcy. This mistaken belief derives largely from the misinformation that creditors spread like butter on a piece of bread. But there are really only a couple of very specific situations in which the court would have anything to say about whether or not you should receive a discharge of your debts.

But before those specific situations are addressed, the garbage that passes for information given out by creditors warrants further discussion. Most of the big-name creditors (Bank of America, for example) won’t tell you too many blatant lies. But it’s the smaller operations (like payday loan companies, “buy-here-pay-here” car dealerships, signature loan companies, collection agencies, etc.) that will habitually feed you lies. For instance, they will tell you that if you do not pay the debt, the police will come and arrest you; that you will lose your right to vote; that you have to appear in court the next day. It’s all a bunch of lies. But those lies can be effective (because a lot of people get scared and cough up money they don’t have).

Now having said all of that, there are a couple of situations in which the court can and will take a close look at whether or not you should receive a discharge of your debts. Let’s look at a few such situations:

  1. If you file a St. Louis Chapter 7 bankruptcy, but you misrepresent your income (i.e. you make it look as if you earn less money than you actually do), then the court will very likely dismiss your case without a discharge of unsecured debts.
  2. If you take out a credit card or personal loan, but use false information in order to obtain the funds (like an inaccurate Social Security number), the court will not allow that particular debt to receive a discharge (and perhaps the rest of your debts as well)


That’s really the only situations in which you would not receive a discharge. But then that is also why you want to make sure that you hire a good St. Louis bankruptcy attorney to help guide you through the process (so that you do not fall into any of these pitfalls).

We have one location by appointment only: 4625 Lindell Blvd St. Louis, MO 63108. The initial consultation to discuss your debt related issues is free of charge. So contact us today to learn more!!

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