Daniel L. Allen

About Allen & Associates, The Law Office of Daniel L. Allen, LLC

Our goal is to provide excellent legal services tailored to fit the needs of each individual client. We achieve this goal by streamlining our process whenever possible, by offering flexible hours for attorney contact and, when possible, flexible payment plans to fit your specific needs.

Our Staff

Daniel L. Allen

Current Employment Position:
President of Allen & Associates

Areas Of Practice:
Bankruptcy
Mortgage Modification
Criminal
Personal Injury

Bar Admission:
Missouri, 1999

Education:
University of Missouri, Kansas City, J.D.
Truman State University, B.S.
Major: Business Administration

Please review our site and see what we may be able to offer you.

Feel free to Call us at 816-842-3328.

Free Consultations. Evenings and Weekend Appointments Available.

Free Consultations

The past year has seen a massive surge in the number of bankruptcies filed, over a 30% increase since last year, and the numbers keep increasing. With ever-rising unemployment figures continuing to soar, consumer credit card and household debt surpassing highest recorded levels, and homeowners owing more on their mortgage loans than their property value and risking foreclosure, a trend toward bankruptcy has taken hold and is not likely to reverse anytime soon. Many around the nation are being crippled by unprecedented levels of debt, threatening the financial health and stability of households across America.

If you, like millions of other hard-working Americans in the Kansas City area, find yourself overwhelmed with debt as a result of illness, accident, divorce or separation, unemployment or under-employment, overwhelming credit card or mortgage debt, or if you are simply having trouble making ends meet for any reason whatsoever, filing personal bankruptcy may be the course of action you should consider to regain control of your finances and your life.

Alternatively, if it is your business that is suffering from financial hardship, you may want to explore the available bankruptcy options to help get you through this crisis.

I would be happy to discuss with you the specifics of your case and offer you my thoughts and ideas as to how best to resolve your financial hardship. I can explain the bankruptcy laws and assist you in determining whether a Chapter 7 or Chapter 13 bankruptcy is the right course of action for you. You may be surprised to learn that I do not always recommend the filing of a bankruptcy petition. Often alternative solutions or strategies need to be considered that have been overlooked and are still viable and may offer better long-term conclusions to your hardships.

To schedule a free consultation to discuss your legal matters and financial situation, please contact the Law Office of Daniel L. Allen, LLC today. I offer the most competitive rates for Bankruptcy services and am available for evening and weekend appointments as well.

Please review our site and see what we may be able to offer you.

Feel free to Call us at 816-842-3328.

Free Consultations. Evenings and Weekend Appointments Available.

Bankruptcy

Which bankruptcy do I want?

What Bankruptcy chapter do I need? Before you can answer this question, you must first determine which chapter you can qualify to use. To do this, we must average your household's gross average income for the last 6 months, not including the income for the month that you file your case (example: if you file your case sometime during the month of April, we have to average your gross income for the months of October through May). This average is compared to the average income the IRS believes a family of your families size makes in your county. As long as your family income average for the last 6 mons is less than the IRS average income in your county, you are not deemed to have committed "abuse" of the system, and are able to continue looking at either Chapter 7 or the shortest version of Chapter 13. If your average income for the 6 months immediately preceding the month you file your case is higher than the average income for your family size in your county, you are considered to be an "above-median debtor" and you will be forced into a Chapter 13 case that lasts for 5 years.

Chapter 7

If you are eligible to file a Chapter 7 bankruptcy, you will not lose everything you own. It does not always result in the loss of your car or the loss of your house. In fact, the vast majority of debtors in Chapter 7 bankruptcy are able to keep their cars and house if the case is filed early in your financial troubles when you are still current on the secured payments. Even if you are behind in your payments to your secured creditors, specifically for auto debts, you still have options under Chapter 7 to keep the car. If those options under Chapter 7 will not allow you to keep your car or other secured property, a Chapter 13 may be the best option for you.

Chapter 13

Since almost everyone is eligible to file some form of Chapter 13, either the shortest version for debtors that have below-median income or the longer version for debtors that have above-median income, you need to understand that you will be required to file a Chapter 13 Plan and pay at least some of your debts. These payments are made to the Chapter 13 Trustee for distribution in accordance with bankruptcy law. While most people think that they want the shortest (and initially cheapest) version of bankruptcy, this is not always the best option in this economy. Chapter 13 bankruptcy has great benefits for debtors that are upside-down on their cars (if they have had the loan for 910 days or more), and excellent benefits for debtors that have 2 or more mortgages and the fair market value of their home is less than what is owed to the first mortgage.

Chapter 11

Chapter 11 cases are usually filed for businesses needing to restructure their debts.  They can also be filed by individuals, if your needs are not properly protected by a Chapter 13.

Contact us today to learn more about your options under the current bankruptcy laws. We're here to help.

Please review our site and see what we may be able to offer you.

Feel free to Call us at 816-842-3328.

Free Consultations. Evenings and Weekend Appointments Available.