Filing For Bankruptcy in Woodson Terrace MO

In the world of bankruptcy, you can file a St Louis Chapter 7 (which will knock out all your unsecured debts, like credit cards and medical bills), or a St Louis Chapter 13 (in which a repayment plan will be devised, giving you a chance to pay back certain debts over a period of time).

Which chapter of bankruptcy is right for you? That question is usually answered at the free consultation that we provide all of our clients. Depending on your particular set of circumstances, a Ch7 may make the most sense. But there are certain occasions when only a Ch13 will do.

A Chapter 13 is primarily used when you are facing a home foreclosure (and you wish to protect your house);  or when your car has been repossessed (and you wish to get the automobile back);  or if your household income is way above the median level for your particular household size (please follow this link to learn more about median income levels in a St Louis bankruptcy).

Either way, the whole point of the bankruptcy is give you a “fresh start / clean slate”. It is a chance to wipe the slate clean, start fresh, and rebuild. In fact, most people can expect their credit score to improve dramatically within the first year and a half after filing!

All you need to do is get in touch with us (a phone call, an email, a text message, or an online form)! Just make sure you contact us as soon as possible (so that we can get you back on the road to recovery)!!

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.