Does this sound familiar?: your debts are getting completely out of control; you are having trouble making ends meet (while trying to make even the monthly minimum payments on your debts); you are falling further and further behind on your creditors; your creditors are now calling you day and night demanding money from you; and you are now worried about receiving a summons to appear in court (which can and will lead to a wage garnishment or bank levy).
Only $300 Upfront Fees for a Pasadena Hills Mo Chapter 13If the set of circumstances described above even remotely compares to your current situation, then it is time to give us a call!! We will answer all your questions, describe your full range of options, and get you the “fresh start / clean slate” that you deserve! And it all starts with a phone call so that we can set up a free consultation to meet with one of our attorneys.
In some cases, the best option will be a St Louis Chapter 7. This is described as a complete discharge of your unsecured debts. This would include credit cards, medical bills, old utility bills, overdrawn bank accounts, past gym memberships, personal loans, etc. All of it is knocked out forever. And so long as your assets do not have a bunch of equity (which will be determined long before a case is actually filed), then you can keep all of your stuff (cars, real estate, bank accounts, tax refunds, etc.).
Other times it will be a Chapter 13. This is a repayment plan over the course of three to five years. During this period of time you will pay back certain debts. This would include car loans (but at a much lower interest rate than most contracts call for), overdue mortgage payments, recent tax debt (income, personal property, and sales), and back child support.
The affordable St. Louis bankruptcy attorneys at The Bankruptcy Company have been saving and protecting people’s assets for years. Our goal is to make sure that you keep the assets and property you want, discharge the debts that you want to get rid of, and do it all at an affordable cost to you. All phone conversations and office consultations are free of charge.