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

St. Peters Bankruptcy & Social Security Disability

Our Office Location

Address: 500 Jungermann Road # 308
St. Peters, MO 63376
Phone: (314) 372-0174

Our Office Hours:
Monday – Thursday : 7:00 AM – 9:00 PM
Friday : 7:00 AM – 8:00 PM
Saturday : 9:00 AM – 3:00 PM | Sunday : Closed

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


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(314) 372-0174

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Our Practice Areas

St. Peters BANKRUPTCY ATTORNEY

St. Charles County, MO

BANKRUPTCY

New to Missouri, Hoglund Law is a multi-state firm that has assisted over 30,000 clients across the country achieve the fresh financial start that they require. Dealing in Chapter 7 & 13 Bankruptcy; as well as debt settlement cases, our bankruptcy attorneys are fully equipped to assist you in acquiring debt relief through their use of the bankruptcy code. With free consultations, home visits, and zero dollar down bankruptcy assistance, consulting a Hoglund Law Attorney is an easy first step in freeing the shackles of debt from your wrists once and for all.

St. Peters Bankruptcy Attorney

CHAPTER 7

Filing a Chapter 7 Bankruptcy can rid you, once and for all, of your pesky credit card and unsecured debts which have gotten in the way of you achieving the financially free future you’ve struggled for. Our experienced attorneys are here to assist you in all the bankruptcy proceedings that arise and answer any questions you may have regarding the discharge of your debt.

Not all debts are discharged with bankruptcy, however. Child support and student loans must still be paid, along with any criminal fines you may owe. While you will still be required to pay for some of those debts that do not qualify, Chapter 7 Bankruptcy can still be a huge asset in obtaining financial security. To find out if Chapter 7 can work for you; it is important to consult a qualified bankruptcy lawyer like the ones found in our St. Peters office.

CHAPTER 13

Filing for Chapter 13 Bankruptcy means signing onto a three to a five-year payment plan in which you pay off your debt and protect your non-exempt assets. Unlike Chapter 7 Bankruptcy filings, the debt you have isn’t discharged, though the remaining, qualified debt at the completion of your payment plan will be. The filing itself appears on your credit report and will affect your credit score—though many of our clients find it preferable to the financial situation they were in before filing.

Because of the consequences and benefits of filing a Chapter 13, it is crucial that you consult an attorney before going forward with bankruptcy proceedings. A qualified and experienced attorney, such as the ones you will find in our St. Peters office, can help you understand exactly how a bankruptcy can and can’t work for you.

DEBT SETTLEMENT

Debt Settlement is a solution for our clients who either do not qualify for bankruptcy or are looking for an alternative path to getting out of debt. Essentially, debt settlement involves legally agreeing to pay a reduced amount to the creditors you owe.

A debt settlement also appears on your credit report, but it has a far weaker impact on your credit score and is a sign to creditors that you took responsibility for the debts you took on. With a bankruptcy attorney representing you, creditors will be reminded that should they not agree to a lower payment and should you file for bankruptcy, they will receive nothing for their trouble.

It’s a simple negotiation from there. To find out if debt settlement is the right choice for you; it’s important to consult an attorney. We offer free 30-45 minute consultations from which you will gain a better understanding of whether debt settlement is right for you.

From the Hoglund Law Bankruptcy Blog

St. Peters Social Security Disability ATTORNEY

St. Charles County, MO

What is Social Security Disability

There are two programs that fall under Social Security Disability and depending on your condition and previous work history, you may be entitled to benefits. The first program, Social Security Disability Insurance SSDI is in place to aid individuals who have contributed to the system via the Social Security tax while working in the past 10 years. The second program called Supplemental Security Income SSI is designed to administer relief to individuals with lower incomes. Both programs are handled by the Social Security Administration SSA who determines eligibility and hands out disability checks.

How an St. Peters Social Security Disability Attorney Can Help

No matter what stage you are in towards the pursuit of much needed disability benefits, it can be difficult to navigate the steps and understand the SSA regulations that dictate the process. You should not be worrying about complicated legal intricacies when you simply want the relief you need. This is why Hoglund Law is here to alleviate the burden you feel during this time in your life.

With 30,000 satisfied clients, our team of qualified Social Security Disability attorneys are prepared to provide you with a free case evaluation to determine what your best course of action is. If you have been denied approval, our lawyers are experienced in pinpointing weaknesses in your application that may have inhibited your approval.

We encourage you to partner yourself with an experienced attorney to gain a better understanding of your case and to ensure you have a fair shot at being approved for benefits.

Who Qualifies for Social Security Disability

You may qualify for benefits in one of two ways. First, you may automatically qualify by meeting all the Social Security Administration’s criteria for any listed conditions. The criteria are incredibly severe, condition specific, and difficult to reach. Consequently, the majority of applicants opt for a different avenue in proving eligibility. The other option is to prove you cannot perform substantial gainful activity as a working person.

Some conditions already deemed eligible with attached criteria include anxiety, depression, cardiovascular conditions, lupus, dermatitis, and speech issues. If you suffer from one of the listed conditions, you may automatically qualify if your condition reaches the criteria. For a more exhaustive list of qualifying conditions, click here.

St. Peters Social Security Disability Attorney

Why Are People Denied Social Security Disability

Denial at least in the first stage of the process is a widely experienced norm. There is an array of reasons people experience this frustrating denial. Some reasons are minor and easy fixes while other will ultimately stand in the way of approval. A common and minor issue is lack of sufficient medical records demonstrating your condition.

On the other hand, some severe factors will impede on your pursuit of benefits. If you are suffering from a disability that will not likely continue for longer than a year, your condition is considered temporary and therefore ineligible. Furthermore, drug and alcohol use, past convictions resulting in the creation of your condition, participation in fraud, and refusal to cooperate will all hinder approval.

How to apply for Social Security Benefits in St. Peters

You may feel overwhelmed thinking about starting the process of filing for benefits, but initial filing is simple if you collect all the required documents. The Social Security Administration requires you collect and provide information including your employment history for the past 15 years and a complete list of any condition-related prescriptions you have used. Additionally, you will want to begin compiling a list of the contact information, addresses, and names of all the doctors, hospitals, and clinics that have helped in treating your condition.

After you have collected all or nearly all the necessary documents you can apply online, over the phone or in person. To apply in person, visit your local Social Security office located at 4800 Executive Centre Pkwy, St Peters, MO 63376. While it is not necessary to have all the required paperwork to apply and you can always add to your file, it is helpful to be on top of collecting all your documents.

YOUR LOCAL SOCIAL SECURITY OFFICE

US Social Security Administration

Address: 4800 Executive Centre Pkwy.
St Peters, MO 63376

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

4800 Executive Centre Pkwy.
St Peters, MO 63376

Directions

Social Security Administration 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?

The moment you are denied, you may feel complete and utter devastation. Just because you are denied does not mean you aren’t qualified or that you won’t be approved. While it can feel nearly impossible to discern why you were denied and how to improve your application, you are not alone. Our team of experienced Social Security Disability attorneys have devoted their careers to understanding the SSA regulations and how to strengthen applications for appeal.

If you choose to appeal your case with the help of a skilled attorney, you will be granted a fair hearing in which you can introduce new evidence, make legal arguments for your case, and cross examine witnesses. Not only will your appeal hearing be much easier with legal counsel, but statistics show you are more likely to win your case.

From the Hoglund law Social Security Disability Blog

About St. Peters Missouri

St. Peters, Missouri is home to 57,178 people and was the highest ranked city on the 2008 best places to live list by Money Magazine in the state. Boasting a Cultural Arts Center and 1,283 acres of dedicated park land, St. Peters is dedicated to providing its community with not only an understanding of the human mind but also an appreciation for where it fits within the natural world. From teeing up at St. Peters 18 hole golf course, to springing off of the diving board at The Cove, there’s plenty to do in St. Peters if you know where to look.

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Ohio

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