Helping Clients with Bankruptcy and Personal Injury cases in Missouri and Kansas.
Heartland Law provides legal guidance to help you get out of debt and recover compensation for injuries.
Charice Holtsclaw
Managing Attorney
Charice is a military widow and single parent, and understands the challenges life can throw at you. Her heart is to serve her clients and help them find relief from their financial burdens so they can achieve balance in the rest of their life.
Charice received her Juris Doctor degree from Washburn School of Law in Topeka, Kansas in 2005. Charice is licensed to practice law in Federal and State courts in Missouri, Kansas and Washington. Charice has worked with hundreds of bankruptcy cases as Managing Attorney of a national bankruptcy law firm, Staff Attorney for UAW, and Managing Attorney at Heartland Law, LLC since 2009.
A former contract negotiator, Charice also holds an MBA and serves as an adjunct instructor at Park University’s MBA program. She chose to specialize in bankruptcy and consumer law so she could use her education to help others. In her spare time, she serves as chauffeur, cheerleader, and scheduling coordinator for her two active boys, and enjoys a touch of urban homesteading.
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
About us
A Fresh Start Is Possible
Take the First Step Toward Financial Freedom
We know how overwhelming debt can feel. Those sleepless nights wondering how you’ll make ends meet. The anxiety when the phone rings with another collection call. The fear of losing your home or car. You’re not alone—and there is hope.
At Heartland Law, we’re not just bankruptcy attorneys—we’re neighbors who understand what Missouri and Kansas families are going through. Financial difficulties can happen to anyone, and we’re here to listen without judgment and help you find a way forward.
We’ll sit down with you as real people, explaining your options in plain language—not complicated legalese. We take the time to understand your unique situation because your story matters to us. Together, we’ll create a plan that fits your life, not just your finances.
We’ve helped hundreds of Missouri and Kansas families start fresh with affordable fees and appointments that work around your schedule. Many of our clients tell us the biggest relief wasn’t just the debt that disappeared—it was finally being able to breathe again.
The path to financial peace begins with a simple conversation. Reach out today for a free, no-pressure consultation. Let’s talk about how we can help you turn the page to a new chapter—one where you’re back in control.
Get Help Now!
or Call Us Today! +1 (816) 842-6700
Serving all of Missouri & Kansas
Why Choose Us
Your Neighbors at Heartland Law
Trusted Experience – Walking alongside Missouri and Kansas families through financial challenges for over a decade
Immediate Relief – We help stop wage garnishments, foreclosures, repossessions and those constant collection calls.
Your Fresh Financial Chapter – Find a path to eliminate overwhelming debt while protecting what matters most
Accessible to All – Flexible payment plans because everyone deserves quality legal help during difficult times
A Hand to Hold – Our compassionate team provides judgment-free guidance and solutions tailored to your unique situation
Your Privacy Matters – Confidential, respectful service from neighbors who understand what you’re going through
Our Bankruptcy Solutions
Taking a brave step forward isn’t failure—it’s reclaiming control of your financial story. Our compassionate team will walk you through your options with clarity and care.
Chapter 7 Bankruptcy: A Fresh Beginning
Chapter 7 offers the quickest path to financial healing—typically just 3-4 months from start to finish. This option works especially well if you’re overwhelmed by high-interest debts.
While each state has specific exemptions and limits on property that can be protected while going through a bankruptcy, we work with our clients to ensure their homes, vehicles, and personal belongings will be protected throughout the bankruptcy process. And contrary to what you might have heard, most Chapter 7 clients are rebuilding credit and are able to secure loans to purchase houses or cars within 1-3 years after bankruptcy.
Chapter 13 Bankruptcy: A Structured Path Forward
Chapter 13 creates a manageable repayment plan over 3-5 years, offering breathing room while you address your financial obligations. This approach often allows you to:
- Lower monthly payments on secured loans
- Keep your property and valuable assets
- Prevent foreclosure on your family home
- Reorganize debt into manageable payments
Our caring Missouri and Kansas licensed attorneys will help determine which path is the best fit for your unique situation
Stopping
Repossession
When the threat of losing your car becomes real, bankruptcy protection steps in like a shield. The moment you file, the law places an automatic stay on repossession actions, giving you valuable time and options.
Ending Wage Garnishment
There’s nothing more disheartening than seeing your hard-earned paycheck reduced by garnishment. Bankruptcy immediately stops this practice, returning your full earnings to where they belong—with you and your family.
Preventing Foreclosure
The thought of losing your home creates unimaginable stress. Bankruptcy can pause foreclosure proceedings, giving you precious time to explore solutions. Whether through Chapter 13 reorganization or Chapter 7 fresh start, we’ll help you find the best path to protect your home.
When Debt Feels Overwhelming, We’re Right Here
The Heartland Law family understands that behind every financial challenge is a real person with hopes, worries, and dreams. We’re not just your attorneys—we’re your neighbors and your advocates when you need it most.
Our approach is simple: we listen first. Every story matters, and understanding yours helps us create solutions that fit your unique situation. We take the time to explain your options in clear, everyday language so you can make choices with confidence.
For years, we’ve been sitting with families across Missouri and Kansas to help them find their way back to financial peace. We’ve designed our services with you in mind.
Straightforward flat-rate plans that won’t add to your financial stress
Flexible meeting times that respect your work and family commitments
Step-by-step guidance that makes the process feel manageable
A genuine commitment to helping you sleep better at night
The road to financial freedom begins with a conversation between friends. Reach out today and discover how much lighter tomorrow can feel.
or Call Us Today! +1 (816) 842-6700
Serving all of Missouri & Kansas
Personal Injury Cases We Handle
If you’ve been injured due to someone else’s negligence, you need an experienced personal injury attorney to secure the compensation you deserve. Our legal team aggressively represents clients in Missouri & Kansas to ensure maximum recovery.
Car accident
Get Compensation for Medical Bills & Lost Wages
Truck Accidents
Holding Commercial Carriers Accountable
Motorcycle Accidents
Fighting for Injured Riders
Slip & Fall Cases
Premises Liability Claims
Workplace Injuries
Workers’ Compensation & Third-Party Claims
The Sooner You Act, The More Options You Have
Let us help you overcome debt, and start fresh, and recover compensation when you’ve been wrongfully injured by others.
Schedule a Consultation
Serving all of Missouri & Kansas
Heartland Law LLC is a debt relief agency helping people file for bankruptcy under the code. The choice of a lawyer is an important decision and should not be based solely on advertising
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