Hoglund, Chwialkowski & Mrozik PLLC - St. Louis, MO

St. Louis Bankruptcy & Social Security Disability

Our Office Location

Address: 2 Cityplace Dr.
St. Louis, MO 63141
Phone: (314) 269-1507

Our Office Hours:
Thursday 9:00 AM – 6:00 PM

Are you Looking for a Bankruptcy Attorney near me or a Social Security Disability Attorney near me in St. Louis, Missouri?

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(314) 269-1507

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Our Practice Areas

St. Louis BANKRUPTCY ATTORNEY

St. Louis County, MO

BANKRUPTCY

If you’re trying to find a lawyer to assist you with bankruptcy in St. Louis, then you can rest easy knowing that one of our Hoglund Law attorneys have your back in US Bankruptcy Code. Offering free consultations, and zero dollar down bankruptcy assistance, we make what can be a stressful time a little easier by supporting you in every way possible. Come in today to experience the financial and mental relief that over 30,000 clients have also experienced.

St. Louis Bankruptcy Attorney

CHAPTER 7

Chapter 7 Bankruptcy discharges unsecured, credit card, and medical bill debt through the liquidation of assets. While this may sound scary, most clients indeed retain all property at the end of proceedings and the financial burden lifted after discharge is enough to propel them into a freer future. So, if your debt amounts to over 50 percent of your annual income, and you find yourself facing the dark shadows of financial instability, then it is possible that a Chapter 7 bankruptcy is the right step forward for you to discover the freedom you need.

Chapter 7 bankruptcy isn’t for everyone, however. It does not discharge all debt, child support, and criminal fines, for example, and not everyone qualified. The first step is determining whether it is right for you by attending a free 30-45 minute consultation.

CHAPTER 13

Chapter 13 Bankruptcy filers either have recently filed a chapter 7 bankruptcy and need to discharge more debt or are attempting to protect non-exempt assets that would otherwise be liquidated. A three to five-year plan, Chapter 13 Bankruptcies involve making payments on the debt owed with the added protection of the bankruptcy court and knowledge that, upon completion of the plan, remaining qualified debt will be discharged.

Because of the impact on your credit report and the required qualifications for filer, it is strongly encouraged that before proceeding you consult with an experienced attorney capable of explaining bankruptcy basics to you and coming up with a solution that best fits your path. At Hoglund Law we offer free consultations doing just that—making the only thing standing between you and a sure path forward a matter of stepping through the door.

DEBT SETTLEMENT

Debt Settlement is a process by which—rather than having the debt discharged—a client negotiates with creditors and agrees to pay a reduced amount of the debt owed. The creditor, in turn, can rest assured knowing that they will receive something rather than facing the fear that the aforementioned client file for bankruptcy.

Not all creditors are eager to negotiate, and often, clients represented by attorneys are more able to draw creditors to the negotiating table. With an experienced bankruptcy attorney familiar with these negotiations—such as those found at the St. Louis Hoglund Law office—in your corner, creditors are further reminded of the potential of their client for filing for bankruptcy and are usually more willing to bargain down.

To find out if Debt settlement is the right option for you, you should meet with an experienced attorney who can walk you through the steps to becoming financially free.

From the Hoglund Law Bankruptcy Blog

St. Louis Social Security Disability ATTORNEY

St. Louis County, MO

What is Social Security Disability

Social Security Disability benefits are designed to act as a safety net when you need them most. Two programs fall under Social Security Disability: Social Security Disability Insurance SSDI and Supplemental Security Income SSI. While the programs sound similar, they are tasked with serving different segments of the population and have different eligibility requirements. SSI is a financially means tested program while SSDI provides benefits to individuals who have contributed to the system through years spent in the workforce.

How an St. Louis Social Security Disability Attorney Can Help

You may qualify for benefits in one of two ways. First, you can automatically qualify if your condition is one of the conditions released by the Social Security Administration as an approved disability and you meet the criteria attached to that condition. This avenue for acquiring benefits can be tricky due to the precise necessary qualifications. Many people opt for an alternative route to demonstrate the impact their condition has on the capacity to work. This alternative requires you prove you cannot perform substantial gainful activity in the workforce.

If you are living in St. Louis and currently suffer from or expect to suffer from one of the following conditions, you may meet the requirements for Social Security Disability eligibility: skin disorders, mental disorders, cancer, digestive tract disorders, immune system deficiencies, or neurological disorders.

If you are unsure if you qualify for benefits or do not know your best option for proving eligibility, you will benefit from a free case evaluation with Hoglund Law right here in St. Louis.

Who Qualifies for Social Security Disability

To qualify for SSDI you must have worked long enough to have paid into qualifying. This usually amounts to having worked consistently for five of the last ten years, though there are exceptions for those who are under the age off 22 as their parents work credits can count on their behalf. SSI requires that you have less than 3,000 in assets and does not have a work credit requirement as it is not funded by Social Security taxes.

Regardless of which you apply for, however, you must meet certain medical criteria. If you live in Anoka and currently have one of the following conditions, then you qualify for Social Security Disability: multiple sclerosis, cancer, respiratory problems, mental disorders, various syndromes, back disorders, congestive heart failure, etc.

For a fuller list, click here.

It is important to demonstrate that the condition you have meets the medical criteria listed by the Social Security Administration. If you have questions on how to do this, or would like assistance in proving that you have a condition that qualifies, we encourage you to come in for a free case evaluation.

St. Louis Social Security Disability Attorney

Why Are People Denied Social Security Disability

The Social Security Administration makes it difficult to pursue benefits, setting strict requirements and administering many denials in the first round due to the sheer volume of applications. Many times, qualified people are denied simply because they missed a technicality or did not submit adequate medical records. If this is you, a skilled attorney will guide you in the direction of appealing your case with the proper documentation and your denial can be swiftly reversed.

However, sometimes larger issues block approval. If you are living with a short-term condition meaning it is likely to be resolved within a year, you will not qualify for benefits. Drug and alcohol use that has caused or contributed to your condition will also inhibit you from qualifying. Furthermore, a past conviction or refusal to cooperate with the SSA will not result in ultimate approval. It is important to understand how SSA regulations apply to your case and if they will get in the way of you qualifying.

How to apply for Social Security Benefits in St. Louis

To initially apply for benefits you will need to visit your local Social Security office located at 717 N 16th St., St. Louis, MO 63103. If it is easier for you, you may also apply online or over the phone. When applying, you will want to have access to the necessary documents that prove your medical history and display your employment history. The SSA requires you supply them with the following: a complete list of prescriptions you have taken to treat your condition, your employment history for the past 15 years, and the names, contact information, and address of any hospitals, clinics, and doctors that have treated your condition.

At this point, the most important thing is for you to apply as soon as possible. The sooner you apply for benefits, the sooner you get the relief you deserve. You can always add documents to your file after applying but you cannot make up for the time you spent not collecting benefits.

YOUR LOCAL SOCIAL SECURITY OFFICE

US Social Security Administration

Address: 717 N 16th St. St. Louis, MO 63103

Toll Free Social Security Office:
Phone: 1 (800) 772-1213 or TTY: 1 (800) 325-0778

717 N 16th St. St. Louis, MO 63103

Directions

Social Security Office Hours

Monday 9:00am – 4:00pm
Tuesday 9:00am – 4:00pm
Wednesday 9:00am – 12:00pm
Thursday 9:00am – 4:00pm
Friday 9:00am – 4:00pm
Saturday Closed
Sunday Closed
Closed on Federal Holidays.

Have You Been Denied SSDI / SSI?

It can feel incredibly scary to be denied benefits when your inability to work is completely out of your hands. However, you should not panic, this is simply a normal part of the process and if you are qualified to be receiving benefits, an attorney can ensure a minor technicality does not stop you from getting the relief you deserve. By appealing your decision, you are granted the opportunity to introduce new medical evidence to your case, cross examine witnesses, and make or have an attorney make legal arguments in your favor.

Handling the next steps following a denial is made substantially easier with the help of legal counsel. Not only is it exponentially easier to appeal with an attorney but statistics prove that individuals who appeal with representation have a higher chance of being approved.

From the Hoglund law Social Security Disability Blog

About St. Louis Missouri

Built along the Mississippi River, St. Louis welcomes you to the West through the iconic Gateway Arch into the city exploding with attractions. For a balanced day visiting this thriving city, tourists pair visiting the St. Louis Cathedral with an Anheuser-Busch factory tour. You can even venture to the Missouri Botanical Gardens after a walking food tour or experiencing the blues music culture.

Between the free Saint Louis Zoo and the historic Forest Park where the 1904 Olympics were held, St. Louis lures the whole family in. Named after Louis IX of France, St. Louis has since embraced a culture of barbeque, beer, and blues. The relaxed culture pairs perfectly with any one of the numerous professional sports teams of the city.

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