Filing For Bankruptcy in Kinloch MO

If you believe that a St Louis bankruptcy would be helpful to you, then you should give us a call right away!! Why? Because we specialize in Chapter 7 and Chapter 13 bankruptcies. Which chapter is right for you (and your particular set of circumstances) will be dependent upon a number of factors.

Those factors include (but are not limited to): the number of people residing in your household; the total household income; whether or not you own assets with a great deal of equity; and what type of debts you hold (because there is a significant difference in how the bankruptcy court handles secured, unsecured, and priority debts).

But if you are dealing with creditors and/or collection agencies calling your phone off the hook; if you are consistently receiving nasty letters from creditors demanding money you do not have; or if your wages are currently being garnished; then you should get in touch with us right away!

If after your initial consultation it makes the most sense for you to file a St Louis Chapter 7, then we can help guide you through that process from start to finish. A Ch7 is basically described as a straight discharge of all your unsecured debts (like credit cards, medical bills, payday loans, old utility bills, or overdrawn bank accounts). And in a relatively short time after this discharge occurs, you can expect to see your credit score to rise steadily (with an average of 75 to 100 points within the first year after filing).

A St Louis Chapter 13 is a repayment over the course of three to five years during which certain debts are paid back. Things like recent tax debt, back child support, overdue mortgage payments, and car loans (but with a much lower interest rate than most people are currently dealing with).

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.