Filing For Bankruptcy in Flordell Hills MO
Are you falling further and further behind on your debts? Are you constantly trying to figure out how you will make monthly payments on these debts? Have you reached at point at which you are now deciding between making payments to your creditors, and putting food on the table?
If so, then it is time to start thinking about a St Louis bankruptcy!! Our staff specializes in this area, and we are ready to help you get back on your financial feet!
ONLY $300 UPFRONT FEES FOR A FLORDELL HILLS MO CHAPTER 13
The first step in this process is to set a consultation to meet with one of our lawyers (the consult is free of charge)!! This will give us a chance to assess your particular set of facts, and determine which chapter of bankruptcy makes the most sense.
Either way, the filing of a bankruptcy will put a complete stop to all creditor activity. No more phone calls, no more threatening letters, no more demands for money that you do not have. Also, the bankruptcy court will stop all garnishments, bank levies, and pending lawsuits against you. This is what is broadly referred to as a “fresh start / clean slate”.
A St Louis Chapter 7 is described as a discharge of your unsecured debts. This means that all of your credit cards, medical bills, payday loans, old utility bills, overdrawn bank accounts, and anything else that pops up on your creditor report (like collection agencies).
A St Louis Chapter 13 is a repayment plan over the course of three to five years. During this period of time, certain debts are paid back. These debts would include: car loans (at a much lower interest rate); past due mortgage payments (to prevent a home foreclosure); back child support; recent tax debt; and sometimes a portion of your unsecured debts.
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.