One of the primary purposes of bankruptcy is to discharge certain debts and give honest individuals a "fresh start." Upon filing the Bankruptcy Petition with the United States Bankruptcy Court, an Automatic Stay goes into effect, which prohibits Creditors from taking any action to collect a debt.
Those actions include calling the Debtor on the phone, taking possession of collateral, pursuing a lawsuit, or garnishing the Debtor's wages. The Automatic Stay remains in effect until the bankruptcy process is completed, unless a Creditor received court approval to proceed.
The Federal Bankruptcy Court for the Western District of Missouri is located in Kansas City, Missouri. All pleadings are filed electronically with the court. As part of the bankruptcy process, Debtors agree to attend a Meeting of Creditors. (It is not uncommon for no creditors to appear.)
The location of the Meeting of Creditors depends on the county in which the Debtor lives. Missouri Debtors living in Barry, Barton, Jasper, Lawrence, McDonald, Newton, Stone, and Vernon counties will have their Meeting of Creditors in the basement of Memorial Hall in Carthage, Missouri.
In addition, Debtors from Kansas, Oklahoma, and Arkansas who live in a county that adjoins the Missouri state line are eligible to file in Missouri, using the exemptions of their home state. Filing your case in Missouri instead of your home state could greatly reduce the travel time to and from your Meeting of Creditors.
Please call The Bankruptcy Center of Joplin at 417-623-3771 to see if you are eligible to file your bankruptcy in Missouri.