Filing For Bankruptcy in Manchester MO

There are lots of ways in which someone can fall into high debt levels. One of the most common would be when you incur a massive amount of medical bills (even for minor procedures). Another prime example would be when someone loses their job, and the only way to stay afloat is to take out a bunch of credit cards (to pay for things like groceries, utilities, and basic necessities).

Whatever reason(s) for your current situation, there is a very straightforward answer / solution to this problem!! Our firm specializes in St Louis bankruptcy (both Chapter 7 and Chapter 13)! We will determine which chapter is best for you (and your particular situation), and get you back onto the road towards financial freedom!

How do we accomplish this goal? The first step is the free consultation. This will allow us to ask a series of questions to get idea of your debts, your assets, and your income. Those factors, when combined, will almost always determine which chapter of bankruptcy is right for you!

For instance, a St Louis Chapter 7 is described as a discharge of unsecured debt. Things like credit cards, medical bills, payday loans, old utility bills, overdrawn bank accounts, delinquent gym memberships, etc. All of it is knocked out forever!

A Chapter 13 is more of repayment plan over the course of three to five years in length. During this time, certain debts are repaid. Things like car loans (but using a much lower interest rate), overdue mortgage payments (which will in turn prevent a foreclosure), recent tax debt, and back child support.

Either way, the filing of a bankruptcy will stop all creditors in their tracks!! It will give you a chance to finally catch your breath, and give you the “fresh start / clean slate” you deserve. All you need to do is give us a call!!

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.