At The Bankruptcy Company, we understand what it feels like when all of your debts start to pile up, and the stress begins to mount. It can be very difficult to stay on top of your monthly credit card bills, hospital and medical bills, utility bills, payday loans, and all the rest of your debt. This situation becomes even worse once the debts are handed off to a collection agency or debt collector.
Only $300 in Upfront Fees for a Chapter 13But life does not have to continue this way. There is a much simpler solution to this problem. When you file a Jefferson County, Missouri, bankruptcy, the federal court places you under its protection. Your creditors can no longer contact you ever again. They can never again demand money from you. And they must accept the court’s final discharge of your debts at the end of your case.
Once your bankruptcy case is filed (whether it is a Jefferson County Chapter 7 bankruptcy or a Jefferson County Chapter 13 bankruptcy), you can begin immediately to rebuild your credit rating and score. Usually within one to two years after filing, you can expect to see your credit score rise to a point at which buying a new home is possible.
Depending on which type of chapter you file, it is possible to get rid of all your unsecured debt (things like credit cards, medical bills, and payday loans) in a Jefferson County, MO Chapter 7 bankruptcy. And in a Jefferson County, MO Chapter 13 bankruptcy, you can repay your secured obligations (things like mortgage arrearage, back child support, tax debt, and car loans) over a period of three to five (3 to 5) years.
We have been providing expert bankruptcy legal services to the Jefferson County area for over ten (10) years. While many law firms tend to place lesser value on Jefferson County (for whatever reason), The Bankruptcy Company makes the strongest effort to reach out to this community. We have friends and family in Jefferson County, and we want to make sure that everyone is taken care of with care, professionalism, and kindness.
In addition, if you are receiving harassing or threatening calls from a collection agency or debt collector, then it is possible that your federal consumer rights are being violated. The Fair Debt Collection Practices Act (FDCPA) is a federal statute that protects you against the abuses that many collectors engage in. Our firm will go after these offending collectors at no cost to you. If we can show that a violation of the FDCPA has occurred, the collection agency must pay you $1,000 in damages, and it must pay for all of your attorney fees. This means that you will never have to pay a single dime to us in order for your case against the collector to move forward.
The initial consultation is free of charge. So contact us today to learn more!!