Top Berkeley, MO Chapter 13 Bankruptcy Lawyers Near You
800 Market Street, Suite 2150, St. Louis, MO 63101
600 Washington Avenue, Suite 900, St. Louis, MO 63101
1551 Wall St, Suite 240, St. Charles, MO 63303
190 Carondelet Plaza, Suite 1400, Clayton, MO 63105
903 S Lindbergh Blvd, Suite 200, St. Louis, MO 63131
222 South Central Ave, Suite 600, St. Louis, MO 63105
120 S Central Ave, Suite 1600, Clayton, MO 63105
211 North Broadway, Suite 1295, St. Louis, MO 63102
2536 South Old Highway 94, Suite 222, St. Charles, MO 63303
7777 Bonhomme Ave, #1900, St. Louis, MO 63105
5770 Mexico Road, Suite A, St. Peters, MO 63376
8001 Forsyth Blvd, Suite 1500, Clayton, MO 63105
2678 Babble Creek, O'Fallon, MO 63368
515 Jefferson Street, Suite C, St. Charles, MO 63301
5933 MO-94, Suite 200, Weldon Spring, MO 63304
7676 Forsyth Blvd, Suite 2230, St. Louis, MO 63105
101 S Hanley Rd, Ste. 600, St. Louis, MO 63105
10 South Broadway, Suite 2000, St. Louis, MO 63102
4220 Duncan Ave, Suite 201, St. Louis, MO 63110
13321 N Outer 40 Rd, Suite 300, Chesterfield, MO 63017
225 South Meramec Avenue, Suite 508, St. Louis, MO 63105
211 North Broadway, Suite 2150, St. Louis, MO 63102
7676 Forsyth Blvd, Suite 1900, St. Louis, MO 63105
16150 Main Cir Dr, Suite 250, Chesterfield, MO 63017
12400 Olive Blvd, Suite 555, St. Louis, MO 63141
Berkeley Chapter 13 Bankruptcy Information
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Lead Counsel independently verifies Chapter 13 Bankruptcy attorneys in Berkeley and checks their standing with Missouri bar associations.
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Ample Experience
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Good Standing
Be in good standing with their bar associations and maintain a clean disciplinary record.
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What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy reorganizes your debts with a repayment plan to help you get a new start. Chapter 13 is known as a “wage earner’s bankruptcy,” where you use your income and assets to make payments over three to five years under the payment plan. Chapter 13 filing puts a stop to collection actions, including foreclosure. After making the necessary payments, your dischargeable debts are cleared.
What Are Some Examples of Situations Where I Might Need a Chapter 13 Bankruptcy Lawyer?
Many people struggle to decide between filing a Chapter 13 or Chapter 7 bankruptcy filing. A Chapter 13 filing may be more beneficial for you if you:
- Are employed and earning money
- Own a home but are behind on mortgage payments
- Earn too much income to qualify for a Chapter 7 filing
- Want to hold onto more of your most valuable assets, like a business
How Can a Lawyer Help Me With Bankruptcy?
An experienced bankruptcy lawyer can give you the knowledge and backing you need to navigate the legal system and find the best possible results for you. Because laws regarding bankruptcy exemptions and the property you can keep vary from state to state, speaking with a lawyer near you with knowledge of Illinois’s laws is critical in understanding your situation and making the best decisions. A bankruptcy lawyer can help with:
- Legal advice and counsel
- Negotiating with creditors
- Filing legal motions and taking care of administrative duties
- Improving your chances of keeping your assets and getting everything settled favorably
What Could Happen if I Don’t Hire a Bankruptcy Lawyer?
Not hiring a bankruptcy lawyer can lead to costly errors and prolonged financial stress. If you don’t hire a bankruptcy lawyer, you might make mistakes in the bankruptcy process. These mistakes could lead to your case being dismissed. Without a lawyer’s guidance, you could miss out on important protections, such as stopping creditor harassment or preventing foreclosure. You might also choose the wrong type of bankruptcy, resulting in more financial trouble. Handling bankruptcy alone increases the risk of losing assets you could have kept and wanted to keep. Additionally, you may struggle to negotiate with creditors without a lawyer. This makes it harder to achieve a manageable debt repayment plan or discharge.
What Questions Should I Ask When Trying To Find a Bankruptcy Lawyer in Chicago?
These questions can help you decide if you feel confident that a lawyer has the qualifications, experience, and ability to manage your case well. Many lawyers offer free consultations that allow you to understand your options and get specific legal advice before hiring them. Top questions include:
- What is your experience in handling bankruptcy cases? Have you managed cases like mine? What was the outcome of these cases?
- Do you have experience resolving issues like this in Illinois?
- What is your approach to handling bankruptcy cases?
- What is your record in negotiating favorable debt repayment plans?
- How do you communicate with clients about the progress of their cases?
- How much input will I have about the case strategy?
- What are your fees and billing structure?
Tips for Hiring a Bankruptcy Lawyer
Finding a lawyer who is right for you and will represent your best interests is an important first step in protecting your rights. Find a lawyer who understands your case, knows your needs and goals, and has the experience to get the best outcome. Things to do:
- Ask for recommendations
- Research lawyers online
- Schedule consultations
- Review experience and expertise
- Talk about billing and fees
- Trust your instincts