You Are Completely in Debt, Now What?

Decide If Bankruptcy is The Right Choice!

CALL US! 800-517-4652

Choosing a St. Louis Bankruptcy Lawyer

Fill Out The Form or Call Us Today! 800-517-4652

FREE Bankruptcy Consultation!

Your First Step Starts Here!

Get the HELP You Need to Make the Best Decision.

Lets Get Started By Filling Out The Form Belov:

We Look Forward To Servicing You.

Connect With Your Local Bankruptcy Attorney Today!

Trusted By Thousands of Customers Since 2012!

Choosing a St. Louis Bankruptcy Lawyer

Filing for bankruptcy can be an extremely complicated process. It is very important for you to choose a legal professional who can adequately and professionally deal with your legal needs, including bankruptcy. Choosing a St Louis Bankruptcy lawyer can be made a little less difficult if you know a few tips that will help you make the best choice for your personal situation.

Finding a lawyer who knows the laws of your state regarding bankruptcy is essential. Meeting with an attorney the first time is usually regarded as a consult, and is free of charge. A consult will familiarize the lawyer with your individual circumstances, and you will get a first impression of the credentials that qualify him as a bankruptcy lawyer. You will want to schedule a consult with a St Louis bankruptcy lawyer prior to hiring an attorney or lawfirm to handle your case.

When you meet with a St Louis Bankruptcy lawyer for a consult, there will specific questions he will ask, and certain things you will need to take with you in order for him to evaluate your situation. Take copies of your bills and all other outstanding debts you owe, including copies of unpaid or overdue tax statements. A copy of your credit report and any court summons you might have received related to your debt should be included. The attorney will need to evaluate these documents to determine if you are eligible to file a bankruptcy.

The attorney will want you to estimate your monthly living expenses. These should include all rents, utilities, groceries, transportation, and personal expenses you have. The total of this list is a figure required each month for you to be financially stable.

The St Louis Bankruptcy lawyer you choose to file your bankruptcy will require you to fill out documents listing your total assets specifically, as well as your debts. You will also need to produce copies of bills that have been paid prior to the bankruptcy filing. Settled accounts should be included. You may take copies of your bank statements or cancelled checks for proof of these payments. Once your documents have been produced and evaluated, your lawyer can determine your bankruptcy needs.

Your St Louis Bankruptcy lawyer is now ready to determine which kind of bankruptcy you will be eligible to file. There are generally three kinds recognized in the courts: Chapter  7, Chapter 11 and Chapter 13. Both Chapter 11 and Chapter 13 bankruptcies address reorganizing your debt, and will require you to repay some or most of your debt back to your creditors over a period of time. Payments will be set and determined by the court. Unless you own a business, you will not be able to file a Chapter 11 bankruptcy. Chapter 11 is only available to business owners. Chapter 7 is the most common type of bankruptcy for  individuals. The court approves the cancellation of all the debts you owe, giving you a fresh start financially.

Select your St. Louis Bankruptcy Lawyer Instantly