How We Help

We Help Remove Credit Reporting Errors and Marks That Lower Your Score

When a lender reviews your application for financing, they take many things into account. One thing they will always look at is your credit score. If there is a negative mark on your credit, that could be what is keeping you from getting the money you need.

If you look at your credit report and there is something on there that is not right, and it’s hurting you, I can help you submit a dispute to the credit bureaus. If they don’t fix the issue, I can help you force them to correct the error.

We Help Stop Creditors From Harassing You With Phone Calls

If you’re getting calls asking for payment, here’s what to do:

1. Listen to the caller identify themselves.
2. Respond “Hello [caller’s name]. Please do not call me again at this number.”

Often times the caller will be trained to pretend that they did not or could not hear you (or if you are on Bluetooth, they may not have heard you). If they seem confused or ask you to repeat yourself, do so, one time.

3. Hang up. Do not continue to talk to them. Do not respond to anything they say. Simply hang up.

4. Write down the date and time of the call, the phone number they called from, and any notes you may have (“Jim called from ABC Bank, told him not to call”).

If they don’t stop calling shortly after you tell them to, I may be able to help.

We Help If You Have Been Threatened with a Lawsuit For Your Outstanding Debts

If you have been served with a summons or know that you have been sued, I can help you. If you have been threatened with a lawsuit, I can also help there, as well.

If you ignore a lawsuit, the creditor will take what is called a “Default Judgment” which means that they can tell the judge whatever amount they think you owe and the judge will enter a judgment allowing them to collect that money from you by garnishing your wages, attaching to your car or house, or any other legal means, and you will have given up your chance to defend yourself in court.

We Help You Determine If Bankruptcy Is your Best Option

Filing a chapter 7 bankruptcy and getting a discharge of your debts helps you get a “fresh start” on your finances, so that instead of spending $200 a month just on the interest on your credit card, you could be putting $200 a month toward a new car, new house, retirement plan, or just on enjoying life with your loved ones.

Filing a chapter 13 bankruptcy helps you get back on track making payments to your creditors in such a way that many people who file a chapter 13 end up with better credit after the bankruptcy than they had before.

However, bankruptcy is not for everyone. If most of your debt is from taxes or student loans, Bankruptcy may not help you. If you have inherited or may soon inherit something of value from a family member, you may not want to file bankruptcy just yet. You may also find that you would benefit from a chapter 7, but not qualify for one because of income, and a chapter 13 would not be feasible at this time. You may also not want to file bankruptcy, simply because you just don’t want to. If any of these issues describe you, keep reading: I can still help you.

Frequently Asked Questions

Learn How it Works!

I feel like I’m drowning in debt. Every time something good happens to me financially, the money is spent before it even hits my bank account. I work hard and am careful with my money, but there is never enough. How do I get out of this cycle?

Sometimes it’s better to give up while you still have the strength to get back up.
Filing a chapter 7 bankruptcy and getting a discharge of your debts helps you get a “fresh start” on your finances, so that instead of spending $200 a month just on the interest on your credit card, you could be putting $200 a month toward a new car, new house, retirement plan, or just on enjoying life with your loved ones.

Filing a chapter 13 bankruptcy helps you get back on track making payments to your creditors in such a way that many people who file a chapter 13 end up with better credit after the bankruptcy than they had before.

However, bankruptcy is not for everyone. If most of your debt is from taxes or student loans, Bankruptcy may not help you. If you have inherited or may soon inherit something of value from a family member, you may not want to file bankruptcy just yet. You may also find that you would benefit from a chapter 7, but not qualify for one because of income, and a chapter 13 would not be feasible at this time. You may also not want to file bankruptcy, simply because you just don’t want to. If any of these issues describe you, keep reading: I can still help you.

I’ve tried to get financing (business loan, mortgage, credit card, car loan, etc) and I’m told I don’t qualify. What’s up with that?

When a lender reviews your application for financing, they take many things into account. One thing they will always look at is your credit score. If there is a negative mark on your credit, that could be what is keeping you from getting the money you need. If you look at your credit report and there is something on there that is not right, and it’s hurting you, I can help you submit a dispute to the credit bureaus. If they don’t fix the issue, I can help you force them to correct the error.

I owe some debts to a few creditors. They keep calling me asking for payment, sometimes every day, sometimes several times a day. How do I get them to stop?

Tell them to stop calling you.  But you can’t just yell “stop” into the phone and hang up, as much as I know that’d feel really good to do.

Follow this pattern:  

  1. Listen to the caller identify themselves.  
  2.  Respond “Hello [caller’s name].  Please do not call me again at this number.”  
  3.  Often times the caller will be trained to pretend that they did not or could not hear you (or if you are on Bluetooth, they may not have heard you).  If they seem confused or ask you to repeat yourself, do so, one time.
  4. Hang up.  Do not continue to talk to them.  Do not respond to anything they say.  Simply hang up.
  5.  Write down the date and time of the call, the phone number they called from, and any notes you may have (“Jim called from ABC Bank, told him not to call”).  

If they don’t stop calling shortly after you tell them to, I may be able to help.

DO NOT pay a creditor until you talk to attorney Mark Molner.

Email Address

mark@molnerlaw.com

Call Me

(816) 281-8549

Visit Me

300 E 39th Street Suite #1G, Kansas City, MO, US, 64111