Filing For Bankruptcy in Breckenridge Hill MO


In the world of bankruptcy, you either going to file a Chapter 7 or a Chapter 13.  Which chapter you go with depends almost entirely on the specific facts of your case (i.e. the types of debts you have, your household income, and the assets you own).

A St Louis Chapter 7 is a simple discharge of your unsecured debts (such as credit cards, medical bills, payday loans, old utility bills, overdrawn bank accounts, etc.).  Whether or not you qualify for a Ch7 falls upon two pieces of criteria:  1) your total household income;  2) the total number of people in your household.  This will largely determine whether or not you are able to file a Chapter 7.


A St Louis Chapter 13 is described as a repayment plan over the course of three to five years during which certain debts are paid back (like car loans, tax debts, back child support, and past due mortgage payments).  The idea is to consolidate these debts, and create a plan that spreads out the payments over a period of time (to make things easier for you to handle).

Of course, the only way to figure out where you stand is set up a consultation with us!!  It’s free of charge!  And this will give us an opportunity to answer all your questions, fully describe your range of options, and set you on a course that will allow you to regain your financial footing.

Because when the debts start to pile up, and the creditors are calling day and night, and you are at risk of your car being repossessed or your house foreclosed upon, the stress levels can drive you crazy!!  And once you’ve reached that point, it is far better to simply pick up the phone and give us a call (or shoot us an email, or send us a text, or fill out an online form)!!

The affordable St. Louis bankruptcy attorneys at The Law Office of Jennifer Alter-Rieken 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.

Contact Us for a Free Consultation
Contact Form